ZIP 48820 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 48820 (Clinton County, Michigan) returns a low composite of 18/100. On the structural side it scores 41/100, with 1/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (46/100), structural risk (41/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (2/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (65/100).

The market reads neutral — home values rose 4.7% year on year, and 23% higher over three years (phase confidence 26/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 1.8%. Home values center near $337,100, an affordability ratio of 3.0× — accessible. On demographic stress specifically, 48820 scores 22/100. Rent burden reaches 29% of tenant households. 85% of housing is owner-occupied. Educational attainment sits at 45% bachelor's-or-above. 18,109 residents call 48820 home, typically aged 44. There are about 7,190 housing units across 48820. The poverty rate is 3.6% — low. Households earn a median $106,651 — above the roughly $78,000 national figure.

Broadly, 48820 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 48820 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 48820 read uses the identical scoring model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 48820 stays directly comparable to neighboring ZIPs and the rest of Clinton County, Michigan. The score is rebuilt from public data as it updates, so 48820 reflects the current record instead of a stale or modeled snapshot.

Behind 48820's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 48820 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.