ZIP 48653 Foreclosure, Tax-Lien & Distress Report

ZIP code 48653 in Roscommon County, Michigan carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. Structural exposure scores 56 and live distress 3 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (72/100), FEMA disaster exposure (60/100). Property-level stress concentrates in construction/permit lag (73/100), structural risk (56/100), institutional ownership (48/100). By contrast, mortgage stress (11/100) register low.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 38% higher over three years (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

9,638 residents call 48653 home, typically aged 58. There are about 9,856 housing units across 48653. Roughly 11.4% live below the poverty line. 90% of housing is owner-occupied. Around 55% of renters are cost-burdened. About 27% have a four-year degree. The vacancy rate is 52.4% — elevated. The demographic-stress sub-score lands at 31/100. Home values center near $170,700, an affordability ratio of 2.4× — accessible. At $67,708, median income runs below typical U.S. levels.

Net-net, 48653 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 48653 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 48653 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. 48653 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

48653's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 48653 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.