ZIP 48738 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 48738 (Alcona County, Michigan) lands at 14/100 — minimal on DLRadar's distress scoring. Environmental exposure also runs high (flood (NFIP) exposure (68/100)). Its standout signals are institutional ownership (47/100), structural risk (32/100), mortgage stress (11/100). mortgage stress (11/100) and construction/permit lag (10/100) stay muted. Structural exposure scores 32 and live distress 3 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 44% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $193,900, an affordability ratio of 2.4× — accessible. The poverty rate is 15.6%. 89% of housing is owner-occupied. About 20% have a four-year degree. The ZIP holds roughly 1,338 housing units. Rent burden reaches 22% of tenant households. 1,097 residents call 48738 home, typically aged 59. At $64,432, median income runs below typical U.S. levels. The vacancy rate is 60.2% — elevated. On demographic stress specifically, 48738 scores 29/100.

On the whole, 48738 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 48738 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 48738's 14/100 can be lined up against any neighbor in Alcona County, Michigan or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 48738 reflects the current record instead of a stale or modeled snapshot.

Each component behind 48738 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. For an operator, 48738 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.