ZIP 48817 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 48817 (Shiawassee County, Michigan) returns a low composite of 20/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (69/100), climate & FEMA risk (63/100). Its standout signals are construction/permit lag (50/100), structural risk (45/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (4/100). The latent-versus-live split is 45/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 18% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 5.4%. Households earn a median $57,468 — below the roughly $78,000 national figure. Home values center near $171,700, an affordability ratio of 2.9× — accessible. About 16% have a four-year degree. About 5,451 people live here, median age 42. Around 38% of renters are cost-burdened. There are about 2,576 housing units across 48817. Roughly 10.4% live below the poverty line. Owners hold 73% of homes, renters 27%. DLRadar's demographic-stress index for the area reads 28/100.

Net-net, 48817 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 48817 at the moment; the composite and its components are still built from verifiable public records.

The 48817 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 48817 stays directly comparable to neighboring ZIPs and the rest of Shiawassee County, Michigan. Sparse data for 48817 shows as blanks, never estimates, and the score updates on every fresh public filing.

48817'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. Treat 48817 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.