ZIP 48636 Foreclosure, Tax-Lien & Distress Report

In Oscoda County, Michigan, ZIP 48636 scores 12 of 100 for composite distress, a minimal level on DLRadar's public-record index. Latent structural risk is 26/100 while live distress already moving reads 3/100. Property-level stress concentrates in construction/permit lag (46/100), institutional ownership (28/100), structural risk (26/100). By contrast, structural risk (26/100) and mortgage stress (11/100) register low.

The market reads expansion — home values rose 5.5% year on year, and 34% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

92% of housing is owner-occupied. 891 residents call 48636 home, typically aged 57. Roughly 11.1% live below the poverty line. Rent burden reaches 0% of tenant households. Median household income is $63,478, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 23/100. Vacancy runs 55.1%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $139,800 (2.1× income, relatively affordable). About 18% have a four-year degree. The ZIP holds roughly 915 housing units.

On the whole, 48636 leans distressed, with opportunity clustered in specific stressed parcels. 48636 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 48636 read uses the identical public-record model applied coast to coast, which means its 12/100 score means exactly what it means anywhere else, and 48636 stays directly comparable to neighboring ZIPs and the rest of Oscoda County, Michigan. 48636 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 12/100 figure for 48636 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 48636 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.