ZIP 48813 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 48813 (Eaton County, Michigan) at a low 23/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (81/100), climate & FEMA risk (70/100). Its standout signals are structural risk (47/100), institutional ownership (46/100), construction/permit lag (27/100). On the quiet end sit construction/permit lag (27/100) and mortgage stress (12/100). On the structural side it scores 47/100, with 4/100 of stress already active.

The neutral-phase market in 48813 posted values that rose 4.7% over the year, and 21% higher over three years (phase confidence 26/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $192,800, an affordability ratio of 2.3× — accessible. Rent burden reaches 33% of tenant households. 81% of housing is owner-occupied. Roughly 9.3% live below the poverty line. About 20,263 people live here, median age 41. The vacancy rate is 6.8%. On demographic stress specifically, 48813 scores 25/100. There are about 8,248 housing units across 48813. About 19% have a four-year degree. At $77,431, median income runs near typical U.S. levels.

Net-net, 48813 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 48813 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 48813 stays directly comparable to neighboring ZIPs and the rest of Eaton County, Michigan. Every figure is auditable to a public dataset and refreshed as records update; 48813 shows blanks, not estimates, wherever the record is sparse.

The 23/100 figure for 48813 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 48813 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.