ZIP 48635 Foreclosure, Tax-Lien & Distress Report

Ogemaw County, Michigan's ZIP 48635 registers 10/100 composite distress, which DLRadar reads as minimal. What sets it apart are the readings on institutional ownership (28/100), structural risk (20/100), mortgage stress (9/100). structural risk (20/100) and mortgage stress (9/100) stay muted. On the structural side it scores 20/100, with 3/100 of stress already active.

The market reads expansion — home values rose 5.5% year on year, and 62% higher over three years (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 1,742 housing units across 48635. Vacancy runs 56.9%, above the national norm and a classic distress-and-opportunity signal. A median home runs $150,300 here, or 2.3 times local income. Households earn a median $59,861 — below the roughly $78,000 national figure. 95% of housing is owner-occupied. The demographic-stress sub-score lands at 40/100. Educational attainment sits at 15% bachelor's-or-above. Rent burden reaches 100% of tenant households. 1,535 residents call 48635 home, typically aged 59. The poverty rate is 16.0%.

Net-net, 48635 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 48635 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 48635's 10/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 48635 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 48635's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 48635 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.