ZIP 48640 Foreclosure, Tax-Lien & Distress Report
Midland County, Michigan · Affordable market
ZIP 48640's composite property-distress score is 21/100 - DLRadar classes that as low for Midland County, Michigan. Environmental exposure also runs high (climate & FEMA risk (73/100)). The pressure is most legible in construction/permit lag (100/100), structural risk (48/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). The split runs 48/100 structural to 1/100 active on the ground.
The market reads peak — home values rose 3.6% year on year, and 19% higher over three years, at 33/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
32,630 residents call 48640 home, typically aged 40. Median household income is $81,630, near the U.S. median near $78,000. The ZIP holds roughly 14,469 housing units. The demographic-stress sub-score lands at 25/100. Home values center near $200,700, an affordability ratio of 2.3× — accessible. Around 41% of renters are cost-burdened. The vacancy rate is 6.4%. Around 38% of adults hold a bachelor's degree or higher. 76% of housing is owner-occupied. Roughly 12.6% live below the poverty line.
Overall 48640 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 48640's 21/100 can be lined up against any neighbor in Midland County, Michigan or any ZIP coast to coast. 48640 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
48640's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 48640 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 48640’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 48640 by the numbers
The live 48640 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Midland County ZIP reports
More distress data near 48640
Keep going: ZIP, county and state distress coverage for Midland County, Michigan.
Open the complete 48640 acquisition file
The full 48640 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Each signal above is traceable to an open dataset · methodology