ZIP 48861 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 48861 (Eaton County, Michigan) lands at 23/100 — low on DLRadar's distress scoring. Its standout signals are structural risk (48/100), institutional ownership (46/100), construction/permit lag (30/100). By contrast, construction/permit lag (30/100) and mortgage stress (13/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (76/100), climate & FEMA risk (69/100). On the structural side it scores 48/100, with 4/100 of stress already active.

The neutral-phase market in 48861 posted values that rose 4.7% over the year, and 16% higher over three years (phase confidence 25/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The typical home is worth about $184,600 (2.0× income, relatively affordable). 5.5% of residents fall below the poverty threshold. Median household income is $88,056, above the U.S. median near $78,000. About 32% have a four-year degree. There are about 710 housing units across 48861. About 1,852 people live here, median age 47. Around 48% of renters are cost-burdened. On demographic stress specifically, 48861 scores 22/100. The vacancy rate is 0.0%. The tenure split is 94% owner-occupied to 6% rented.

On balance, 48861 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 48861 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 48861 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 48861 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 48861'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. Practically, 48861 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.