ZIP 48744 Foreclosure, Tax-Lien & Distress Report

In Tuscola County, Michigan, ZIP 48744 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (71/100)). The latent-versus-live split is 33/100 structural and 1/100 already moving. Its standout signals are construction/permit lag (43/100), 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 48744 posted values that rose 6.2% over the year, and 30% higher over three years (phase confidence 37/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 11.8% — elevated. 9.8% of residents fall below the poverty threshold. Around 34% of renters are cost-burdened. Educational attainment sits at 18% bachelor's-or-above. Median household income is $58,435, below the U.S. median near $78,000. The ZIP holds roughly 1,947 housing units. Home values center near $159,800, an affordability ratio of 2.4× — accessible. Population is roughly 4,387 with a median age of 48. DLRadar's demographic-stress index for the area reads 25/100. Owners hold 92% of homes, renters 8%.

On balance 48744 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.