ZIP 49030 Foreclosure, Tax-Lien & Distress Report

St. Joseph County, Michigan's ZIP 49030 registers 12/100 composite distress, which DLRadar reads as minimal. What sets it apart are the readings on construction/permit lag (28/100), structural risk (25/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. Structurally it carries 25/100, against 1/100 of stress already in motion.

The market reads peak — home values rose 4.2% year on year, and 15% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 972 housing units. Rent burden reaches 28% of tenant households. A median home runs $138,400 here, or 1.9 times local income. The demographic-stress sub-score lands at 25/100. The tenure split is 83% owner-occupied to 17% rented. 10.3% of residents fall below the poverty threshold. 2,435 residents call 49030 home, typically aged 38. At $64,539, median income runs below typical U.S. levels. Vacancy runs 8.0%. Educational attainment sits at 5% bachelor's-or-above.

Net-net, 49030 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 49030's 12/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 49030, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 49030 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. The point of the 49030 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.