ZIP 49004 Foreclosure, Tax-Lien & Distress Report

Kalamazoo County, Michigan's ZIP 49004 registers 29/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in structural risk (64/100), construction/permit lag (56/100), institutional ownership (47/100). By contrast, mortgage stress (8/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (83/100), flood (NFIP) exposure (68/100). Structurally it carries 64/100, against 3/100 of stress already in motion.

The peak-phase market in 49004 posted values that rose 0.6% over the year, and 16% higher over three years (phase confidence 35/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $192,300 (2.5× income, relatively affordable). Vacancy runs 4.3%. Around 33% of renters are cost-burdened. The demographic-stress sub-score lands at 25/100. There are about 7,659 housing units across 49004. Educational attainment sits at 34% bachelor's-or-above. Roughly 9.8% live below the poverty line. Owners hold 74% of homes, renters 26%. Households earn a median $72,434 — near the roughly $78,000 national figure. 17,796 residents call 49004 home, typically aged 36.

Overall, 49004 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 49004 is not published yet -- the ZIP-level readings above remain fully sourced.

The 49004 read uses the identical scoring model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 49004 stays directly comparable to neighboring ZIPs and the rest of Kalamazoo County, Michigan. The score is rebuilt from public data as it updates, so 49004 reflects the current record instead of a stale or modeled snapshot.

Each component behind 49004 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. For an operator, 49004 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.