ZIP 48766 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 48766 (Arenac County, Michigan) at a minimal 5/100 for overall property distress. Latent structural risk is 10/100 while live distress already moving reads 2/100. What sets it apart are the readings on structural risk (10/100), mortgage stress (7/100), construction/permit lag (6/100). On the quiet end sit construction/permit lag (6/100) and institutional ownership (5/100).

The market reads expansion — home values rose 5.5% year on year (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $55,156 — below the roughly $78,000 national figure. Rent burden reaches 8% of tenant households. Vacancy runs 22.1%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 681 housing units. The poverty rate is 17.1% — high, a tax-stress and distress correlate. 89% of housing is owner-occupied. A median home runs $112,200 here, or 1.7 times local income. The demographic-stress sub-score lands at 23/100. Around 7% of adults hold a bachelor's degree or higher. Population is roughly 1,372 with a median age of 46.

Net-net, 48766 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 48766 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 48766 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 5/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 48766, the field stays empty rather than modeled, and fills in as new documents post.

48766'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. For a buyer, 48766 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.