ZIP 48634 Foreclosure, Tax-Lien & Distress Report
Bay County, Michigan · Affordable market
Composite property distress in 48634 (Bay County, Michigan) lands at 16/100 — low on DLRadar's public-record scoring. Its standout signals are construction/permit lag (36/100), structural risk (33/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. On the structural side it scores 33/100, with 1/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (78/100)).
Prices here sit in a expansion phase: values rose 5.1% over the trailing year, and 43% higher over three years (phase confidence 49/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
On demographic stress specifically, 48634 scores 22/100. 6.6% of residents fall below the poverty threshold. The tenure split is 95% owner-occupied to 5% rented. Around 37% of renters are cost-burdened. Vacancy runs 5.8%. Around 19% of adults hold a bachelor's degree or higher. At $78,929, median income runs near typical U.S. levels. Population is roughly 4,395 with a median age of 48. A median home runs $167,400 here, or 2.0 times local income. The ZIP holds roughly 2,082 housing units.
On balance, 48634 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 48634 at the moment; the composite and its components are still built from verifiable public records.
Big metro or rural, 48634 runs through one identical public-record model, so its 16/100 sits on the same scale as every other ZIP in Bay County, Michigan and the nation. Sparse data for 48634 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 16/100 for 48634 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 48634 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 48634
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 48634 distress snapshot
The live 48634 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Bay County ZIP codes
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