ZIP 48740 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 48740 in Alcona County, Michigan comes in at 14, a minimal composite-distress reading. Property-level stress concentrates in institutional ownership (47/100), structural risk (32/100), mortgage stress (11/100). On the quiet end sit mortgage stress (11/100) and construction/permit lag (8/100). On the structural side it scores 32/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (68/100).

The market reads expansion — home values rose 5.5% year on year, and 29% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 1,627 housing units across 48740. 15.1% of residents fall below the poverty threshold. Median household income is $53,460, below the U.S. median near $78,000. Rent burden reaches 31% of tenant households. The typical home is worth about $155,800 (2.6× income, relatively affordable). The demographic-stress sub-score lands at 28/100. The vacancy rate is 30.9% — elevated. The tenure split is 87% owner-occupied to 13% rented. About 19% have a four-year degree. About 2,433 people live here, median age 59.

On the whole, 48740 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 48740 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 48740 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48740 can be compared directly against any other ZIP in Alcona County, Michigan or nationwide. Nothing here is interpolated — where a source is thin for 48740, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 48740's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 48740 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.