ZIP 48722 Foreclosure, Tax-Lien & Distress Report

Saginaw County, Michigan's ZIP 48722 registers 30/100 composite distress, which DLRadar reads as moderate. Property-level stress concentrates in structural risk (66/100), construction/permit lag (53/100), institutional ownership (45/100). By contrast, mortgage stress (8/100) register low. Environmental exposure also runs high (climate & FEMA risk (88/100), flood (NFIP) exposure (79/100)). Structural risk reads 66/100 against active distress of 2/100.

The peak-phase market in 48722 posted values that rose 4.0% over the year, and 24% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $68,777 — near the roughly $78,000 national figure. The typical home is worth about $139,700 (2.0× income, relatively affordable). Roughly 7.7% live below the poverty line. The vacancy rate is 9.7%. Around 20% of adults hold a bachelor's degree or higher. The tenure split is 95% owner-occupied to 5% rented. On demographic stress specifically, 48722 scores 24/100. 3,147 residents call 48722 home, typically aged 48. Around 44% of renters are cost-burdened. There are about 1,417 housing units across 48722.

Net-net, 48722 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 48722 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 48722 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48722 can be compared directly against any other ZIP in Saginaw County, Michigan or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 48722 shows blanks, not estimates, wherever the record is sparse.

Each component behind 48722 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. Treat 48722 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.