ZIP 48761 Foreclosure, Tax-Lien & Distress Report

Ogemaw County, Michigan's ZIP 48761 registers 12/100 composite distress, which DLRadar reads as minimal. The sharpest non-environmental signals are institutional ownership (33/100), structural risk (26/100), construction/permit lag (16/100). By contrast, construction/permit lag (16/100) and mortgage stress (10/100) register low. Latent structural risk is 26/100 while live distress already moving reads 3/100.

The expansion-phase market in 48761 posted values that rose 5.5% over the year, and 1% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 804 with a median age of 65. The tenure split is 87% owner-occupied to 13% rented. The vacancy rate is 68.6% — elevated. Around 100% of renters are cost-burdened. Median household income is $44,647, below the U.S. median near $78,000. Roughly 19.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $111,200 here, or 2.5 times local income. DLRadar's demographic-stress index for the area reads 44/100. There are about 1,331 housing units across 48761. Educational attainment sits at 11% bachelor's-or-above.

Taken together, 48761 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 48761's 12/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 48761 reflects the current record instead of a stale or modeled snapshot.

48761's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 48761 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.