ZIP 48747 Foreclosure, Tax-Lien & Distress Report

ZIP code 48747 in Bay County, Michigan carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 35/100 while live distress already moving reads 1/100. Its heaviest discrete signals: construction/permit lag (39/100), structural risk (35/100), institutional ownership (4/100). On the quiet end sit institutional ownership (4/100) and mortgage stress (3/100). Environmental exposure also runs high (climate & FEMA risk (79/100)).

The expansion-phase market in 48747 posted values that rose 5.1% over the year, and 44% higher over three years (phase confidence 48/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

1,488 residents call 48747 home, typically aged 47. Median household income is $78,750, near the U.S. median near $78,000. Home values center near $141,300, an affordability ratio of 1.5× — accessible. On demographic stress specifically, 48747 scores 19/100. Vacancy runs 6.1%. Rent burden reaches 20% of tenant households. Owners hold 95% of homes, renters 5%. There are about 653 housing units across 48747. Educational attainment sits at 22% bachelor's-or-above. The poverty rate is 7.5%.

Overall 48747 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 48747 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 48747 runs through one identical public-record model, so its 16/100 sits on the same scale as every other ZIP in Bay County, Michigan and the nation. The score is rebuilt from public data as it updates, so 48747 reflects the current record instead of a stale or modeled snapshot.

48747's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 48747 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.