ZIP 48811 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 48811 in Montcalm County, Michigan comes in at 24, a low composite-distress reading. Environmental exposure also runs high (flood (NFIP) exposure (68/100)). Its heaviest discrete signals: structural risk (54/100), institutional ownership (47/100), construction/permit lag (47/100). By contrast, mortgage stress (3/100) register low. Structurally it carries 54/100, against 1/100 of stress already in motion.

The peak-phase market in 48811 posted values that rose 4.0% over the year, and 36% higher over three years (phase confidence 25/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 7,416 with a median age of 40. Vacancy runs 6.3%. The ZIP holds roughly 2,015 housing units. 77% of housing is owner-occupied. Median household income is $66,875, below the U.S. median near $78,000. The demographic-stress sub-score lands at 27/100. The poverty rate is 13.3%. Rent burden reaches 28% of tenant households. The typical home is worth about $170,800 (2.4× income, relatively affordable). Around 9% of adults hold a bachelor's degree or higher.

Net-net, 48811 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 48811 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 48811 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 48811 reflects the current record instead of a stale or modeled snapshot.

48811'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 48811 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.