ZIP 48732 Foreclosure, Tax-Lien & Distress Report
Bay County, Michigan · Affordable market
In Bay County, Michigan, ZIP 48732 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 33/100 against active distress of 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (78/100). Property-level stress concentrates in construction/permit lag (36/100), structural risk (33/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100).
The expansion-phase market in 48732 posted values that rose 5.1% over the year, and 20% higher over three years (phase confidence 49/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The typical home is worth about $169,600 (3.0× income, relatively affordable). There are about 5,326 housing units across 48732. Population is roughly 11,308 with a median age of 45. Vacancy runs 5.5%. On demographic stress specifically, 48732 scores 27/100. Rent burden reaches 25% of tenant households. Around 21% of adults hold a bachelor's degree or higher. 14.0% of residents fall below the poverty threshold. 68% of housing is owner-occupied. Median household income is $53,466, below the U.S. median near $78,000.
Overall, 48732 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 48732 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, 48732's 16/100 can be lined up against any neighbor in Bay County, Michigan or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 48732 shows blanks, not estimates, wherever the record is sparse.
The 16/100 for 48732 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 48732 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 48732’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 48732 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent Bay County ZIP reports
Related reports across Bay County, Michigan
Keep going: ZIP, county and state distress coverage for Bay County, Michigan.
Get the full acquisition report for 48732
Every distressed parcel in 48732 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
No modelling: every input is a public record · methodology