ZIP 48850 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 48850 in Montcalm County, Michigan comes in at 23, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (61/100), flood (NFIP) exposure (61/100). Structural exposure scores 52 and live distress 1 on the 0–100 scale. Its heaviest discrete signals: structural risk (52/100), construction/permit lag (45/100), institutional ownership (42/100). By contrast, mortgage stress (4/100) register low.

Prices here sit in a peak phase: values rose 4.0% over the trailing year, and 23% higher over three years (phase confidence 25/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 14% have a four-year degree. The poverty rate is 11.7%. At $65,064, median income runs below typical U.S. levels. Around 28% of renters are cost-burdened. A median home runs $178,400 here, or 2.6 times local income. The demographic-stress sub-score lands at 27/100. The ZIP holds roughly 2,064 housing units. Owners hold 85% of homes, renters 15%. Population is roughly 4,526 with a median age of 39. Vacancy runs 18.6%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 48850 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 48850 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 48850 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48850 can be compared directly against any other ZIP in Montcalm County, Michigan or nationwide. The score is rebuilt from public data as it updates, so 48850 reflects the current record instead of a stale or modeled snapshot.

The 23/100 figure for 48850 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, 48850 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.