ZIP 48865 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 48865 in Ionia County, Michigan comes in at 26, a low composite-distress reading. Its heaviest discrete signals: construction/permit lag (67/100), structural risk (59/100), institutional ownership (47/100). On the quiet end sit mortgage stress (19/100). Climate and flood risk are elevated too — flood (NFIP) exposure (64/100), FEMA disaster exposure (60/100). The split runs 59/100 structural to 6/100 active on the ground.

The market reads peak — home values rose 3.9% year on year, and 36% higher over three years, at 25/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 33/100. The ZIP holds roughly 767 housing units. Vacancy runs 12.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 71% of tenant households. Educational attainment sits at 12% bachelor's-or-above. 75% of housing is owner-occupied. Median household income is $68,889, near the U.S. median near $78,000. About 1,904 people live here, median age 40. 17.2% of residents fall below the poverty threshold. Home values center near $141,900, an affordability ratio of 1.8× — accessible.

On the whole, 48865 leans distressed, with opportunity clustered in specific stressed parcels. 48865 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 48865 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 48865 stays directly comparable to neighboring ZIPs and the rest of Ionia County, Michigan. 48865 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 for 48865 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 48865 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.