ZIP 48706 Foreclosure, Tax-Lien & Distress Report

In Bay County, Michigan, ZIP 48706 scores 16 of 100 for composite distress, a low level on DLRadar's distress index. The pressure is most legible in construction/permit lag (39/100), structural risk (34/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. The latent-versus-live split is 34/100 structural and 1/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (78/100).

The market reads expansion — home values rose 5.1% year on year, and 25% higher over three years, at 49/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $61,908, median income runs below typical U.S. levels. 38,756 residents call 48706 home, typically aged 45. 13.9% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 26/100. Around 38% of renters are cost-burdened. Home values center near $155,800, an affordability ratio of 2.3× — accessible. Educational attainment sits at 24% bachelor's-or-above. The vacancy rate is 7.3%. The ZIP holds roughly 18,537 housing units. The tenure split is 77% owner-occupied to 23% rented.

Overall, 48706 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 48706 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 48706's 16/100 can be lined up against any neighbor in Bay County, Michigan or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 48706, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

48706's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 48706 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.