ZIP 48846 Foreclosure, Tax-Lien & Distress Report

In Ionia County, Michigan, ZIP 48846 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (86/100)). Leading the profile are construction/permit lag (68/100), structural risk (62/100), institutional ownership (47/100). On the quiet end sit mortgage stress (19/100). The split runs 62/100 structural to 6/100 active on the ground.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 21% higher over three years (phase confidence 25/100). Topping markets hide individual distress behind strong averages.

Population is roughly 21,940 with a median age of 39. Home values center near $172,700, an affordability ratio of 2.6× — accessible. The tenure split is 70% owner-occupied to 30% rented. The demographic-stress sub-score lands at 29/100. At $66,717, median income runs below typical U.S. levels. Vacancy runs 6.0%. There are about 7,484 housing units across 48846. Around 12% of adults hold a bachelor's degree or higher. Roughly 15.0% live below the poverty line. Around 35% of renters are cost-burdened.

On balance 48846 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 48846 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 48846 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48846 can be compared directly against any other ZIP in Ionia County, Michigan or nationwide. Where the public record is thin for 48846, the field stays empty rather than modeled, and fills in as new documents post.

The 27/100 figure for 48846 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 an operator, 48846 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.