ZIP 48656 Foreclosure, Tax-Lien & Distress Report

ZIP code 48656 in Roscommon County, Michigan carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in construction/permit lag (67/100), structural risk (59/100), institutional ownership (48/100). mortgage stress (11/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (72/100). On the structural side it scores 59/100, with 3/100 of stress already active.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 21% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 50.2% — elevated. The demographic-stress sub-score lands at 32/100. A median home runs $112,900 here, or 2.5 times local income. The ZIP holds roughly 3,676 housing units. 21.5% of residents fall below the poverty threshold. Educational attainment sits at 10% bachelor's-or-above. At $43,417, median income runs below typical U.S. levels. 3,872 residents call 48656 home, typically aged 58. Around 30% of renters are cost-burdened. The tenure split is 86% owner-occupied to 14% rented.

Taken together, 48656 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 48656 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 48656 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48656 can be compared directly against any other ZIP in Roscommon County, Michigan or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 48656 shows blanks, not estimates, wherever the record is sparse.

The 26/100 figure for 48656 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. In workflow terms, 48656 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.