ZIP 48650 Foreclosure, Tax-Lien & Distress Report
Bay County, Michigan · Affordable market
DLRadar grades ZIP 48650 (Bay County, Michigan) at a low 15/100 for overall property distress. Property-level stress concentrates in construction/permit lag (35/100), structural risk (32/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (75/100). On the structural side it scores 32/100, with 1/100 of stress already active.
The market reads expansion — home values rose 5.1% year on year, and 2% higher over three years, at 48/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
At $63,662, median income runs below typical U.S. levels. Around 45% of renters are cost-burdened. The vacancy rate is 10.5%. About 17% have a four-year degree. The ZIP holds roughly 3,022 housing units. Population is roughly 6,662 with a median age of 46. 88% of housing is owner-occupied. On demographic stress specifically, 48650 scores 27/100. Roughly 12.4% live below the poverty line. A median home runs $151,800 here, or 2.1 times local income.
Overall, 48650 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 48650 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 48650's 15/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 48650, the field stays empty rather than modeled, and fills in as new documents post.
48650's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 48650 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.
Signal-by-signal read on 48650
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 48650 distress snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Bay County
More distress data near 48650
Additional distress intelligence spanning Bay County, Michigan by ZIP, county and state.
Get the full acquisition report for 48650
Open 48650 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic. Every signal traces to a public dataset · methodology