ZIP 48865 Property Distress & Foreclosure Data

ZIP code 48865 in Ionia County, Michigan carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (61/100), construction/permit lag (56/100), institutional ownership (51/100). mortgage stress (19/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (87/100). The latent-versus-live split is 61/100 structural and 6/100 already moving.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 36% higher over three years (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

On demographic stress specifically, 48865 scores 33/100. The ZIP holds roughly 767 housing units. The vacancy rate is 12.0% — elevated. Around 71% of renters are cost-burdened. About 12% have a four-year degree. The tenure split is 75% owner-occupied to 25% rented. Households earn a median $68,889 — near the roughly $78,000 national figure. 1,904 residents call 48865 home, typically aged 40. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $141,900 here, or 1.8 times local income.

Taken together, 48865 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.