ZIP 49014 Foreclosure, Tax-Lien & Distress Report

Calhoun County, Michigan's ZIP 49014 registers 23/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (75/100), flood (NFIP) exposure (74/100)). What sets it apart are the readings on construction/permit lag (67/100), structural risk (54/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low. The split runs 54/100 structural to 2/100 active on the ground.

The market reads expansion — home values rose 8.7% year on year, and 23% higher over three years, at 74/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 9,392 housing units. 72% of housing is owner-occupied. Around 30% of renters are cost-burdened. 14.0% of residents fall below the poverty threshold. The typical home is worth about $181,100 (2.5× income, relatively affordable). The vacancy rate is 11.5% — elevated. Households earn a median $63,383 — below the roughly $78,000 national figure. Around 20% of adults hold a bachelor's degree or higher. Population is roughly 21,931 with a median age of 41. The demographic-stress sub-score lands at 28/100.

Overall, 49014 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 49014 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 49014 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 49014 stays directly comparable to neighboring ZIPs and the rest of Calhoun County, Michigan. The score is rebuilt from public data as it updates, so 49014 reflects the current record instead of a stale or modeled snapshot.

The 23/100 for 49014 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 49014 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.