ZIP 48860 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 48860 (Ionia County, Michigan) lands at 26/100 — low on DLRadar's distress scoring. On the structural side it scores 59/100, with 6/100 of stress already active. The pressure is most legible in construction/permit lag (67/100), structural risk (59/100), institutional ownership (47/100). By contrast, mortgage stress (19/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (64/100), FEMA disaster exposure (60/100).

The peak-phase market in 48860 posted values that rose 3.9% over the year, and 81% higher over three years (phase confidence 25/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 1,395 with a median age of 47. A median home runs $180,300 here, or 2.8 times local income. Around 20% of renters are cost-burdened. Owners hold 73% of homes, renters 27%. 13.2% of residents fall below the poverty threshold. Vacancy runs 1.9%. Households earn a median $58,750 — below the roughly $78,000 national figure. Educational attainment sits at 6% bachelor's-or-above. The ZIP holds roughly 504 housing units. On demographic stress specifically, 48860 scores 27/100.

Overall, 48860 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 48860 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 48860 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 48860 can be compared directly against any other ZIP in Ionia County, Michigan or nationwide. Where the record is thin for 48860, the field stays empty rather than modeled, and fills in as new documents post.

48860'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. Practically, 48860 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.