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Distress scoring by county and ZIP, market phase, and the day queue.

ZIP 48739 Foreclosure, Tax-Lien & Distress Report

Iosco County, Michigan · High Vacancy market

DLRadar grades ZIP 48739 (Iosco County, Michigan) at a low 15/100 for overall property distress. Latent structural risk is 32/100 while live distress already moving reads 3/100. Its heaviest discrete signals: construction/permit lag (34/100), institutional ownership (32/100), structural risk (32/100). structural risk (32/100) and mortgage stress (9/100) stay muted.

The market reads expansion — home values rose 5.5% year on year, and 33% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Rent burden reaches 56% of tenant households. Population is roughly 3,511 with a median age of 61. Educational attainment sits at 19% bachelor's-or-above. Home values center near $179,400, an affordability ratio of 3.6× — accessible. 17.6% of residents fall below the poverty threshold. The ZIP holds roughly 4,102 housing units. At $47,768, median income runs below typical U.S. levels. Vacancy runs 58.0%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 38/100. 90% of housing is owner-occupied.

Net-net, 48739 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 48739 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 48739's 15/100 can be lined up against any neighbor in Iosco County, Michigan or any ZIP coast to coast. Sparse data for 48739 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 15/100 figure for 48739 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. For a buyer, 48739 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.

15/100
Composite stress
32/100
Structural risk
3/100
Distress activity

Distress signal breakdown — ZIP 48739

Foreclosure activity0
Mortgage stress9
Climate / FEMA risk32
+9 more distress dimensions scored for this ZIP

Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.

Snapshot: 48739 by the numbers

The live 48739 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.

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Deterministic scoring, sourced entirely from public data · methodology

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