ZIP 48765 Foreclosure, Tax-Lien & Distress Report

Arenac County, Michigan's ZIP 48765 registers 13/100 composite distress, which DLRadar reads as minimal. Structural risk reads 32/100 against active distress of 3/100. Climate and flood risk are elevated too — flood (NFIP) exposure (67/100). The most distinctive pressure shows up in structural risk (32/100), institutional ownership (28/100), construction/permit lag (26/100). construction/permit lag (26/100) and mortgage stress (9/100) stay muted.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 385 housing units. A median home runs $153,800 here, or 3.1 times local income. 93% of housing is owner-occupied. Educational attainment sits at 15% bachelor's-or-above. The vacancy rate is 39.6% — elevated. At $46,458, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 37/100. The poverty rate is 13.0%. 571 residents call 48765 home, typically aged 58. Rent burden reaches 75% of tenant households.

On the whole, 48765 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 48765 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 48765 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48765 can be compared directly against any other ZIP in Arenac County, Michigan or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 48765 shows blanks, not estimates, wherever the record is sparse.

48765's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 48765 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.