ZIP 48649 Foreclosure, Tax-Lien & Distress Report

Saginaw County, Michigan's ZIP 48649 registers 30/100 composite distress, which DLRadar reads as moderate. Property-level stress concentrates in structural risk (66/100), construction/permit lag (51/100), institutional ownership (48/100). mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (79/100). Structural risk reads 66/100 against active distress of 2/100.

The market reads peak — home values rose 4.0% year on year, and 7% lower over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

The vacancy rate is 4.7%. Roughly 8.1% live below the poverty line. At $68,288, median income runs below typical U.S. levels. On demographic stress specifically, 48649 scores 26/100. There are about 703 housing units across 48649. Around 14% of adults hold a bachelor's degree or higher. Home values center near $164,200, an affordability ratio of 2.2× — accessible. Owners hold 92% of homes, renters 8%. Rent burden reaches 47% of tenant households. About 1,476 people live here, median age 51.

Overall, 48649 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 48649 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 48649's 30/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 48649, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 30/100 for 48649 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 a buyer, 48649 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.