ZIP 49066 Foreclosure, Tax-Lien & Distress Report

St. Joseph County, Michigan's ZIP 49066 registers 12/100 composite distress, which DLRadar reads as minimal. The latent-versus-live split is 25/100 structural and 1/100 already moving. Leading the profile are construction/permit lag (26/100), structural risk (25/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

The peak-phase market in 49066 posted values that rose 4.2% over the year, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 7.8%. Roughly 18.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 257 housing units across 49066. Around 11% of adults hold a bachelor's degree or higher. A median home runs $209,500 here, or 2.9 times local income. 86% of housing is owner-occupied. Households earn a median $65,625 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 30/100. Around 31% of renters are cost-burdened. Population is roughly 784 with a median age of 33.

Net-net, 49066 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 49066 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 49066 runs through one identical public-record model, so its 12/100 sits on the same scale as every other ZIP in St. Joseph County, Michigan and the nation. Nothing here is interpolated — where a source is thin for 49066, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 12/100 for 49066 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 49066 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.