ZIP 49072 Foreclosure, Tax-Lien & Distress Report

ZIP 49072's composite property-distress score is 13/100 - DLRadar classes that as minimal for St. Joseph County, Michigan. Structurally it carries 27/100, against 1/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (60/100)). The sharpest non-environmental signals are construction/permit lag (29/100), structural risk (27/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (4/100) stay muted.

Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 33% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

2,875 residents call 49072 home, typically aged 44. On demographic stress specifically, 49072 scores 25/100. The typical home is worth about $174,700 (2.5× income, relatively affordable). Owners hold 90% of homes, renters 10%. The ZIP holds roughly 1,360 housing units. Households earn a median $67,379 — below the roughly $78,000 national figure. The vacancy rate is 15.0% — elevated. Around 21% of adults hold a bachelor's degree or higher. 8.6% of residents fall below the poverty threshold. Rent burden reaches 32% of tenant households.

Taken together, 49072 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 49072 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 49072 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 49072, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 49072 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 13/100 roll-up. The point of the 49072 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.