ZIP 49085 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 49085 (Berrien County, Michigan) at a low 21/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (82/100). Its heaviest discrete signals: construction/permit lag (75/100), structural risk (47/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (4/100) register low. Structural risk reads 47/100 against active distress of 1/100.

The market reads expansion — home values rose 7.0% year on year, and 22% higher over three years, at 47/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

23,575 residents call 49085 home, typically aged 45. The typical home is worth about $304,600 (2.8× income, relatively affordable). The ZIP holds roughly 11,552 housing units. Owners hold 78% of homes, renters 22%. DLRadar's demographic-stress index for the area reads 22/100. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 11.3% — elevated. Households earn a median $101,763 — above the roughly $78,000 national figure. Rent burden reaches 28% of tenant households. About 49% have a four-year degree.

Broadly, 49085 is a steadier market — the deals are the exceptions, not the rule. There is no property file for 49085 at the moment; the composite and its components are still built from verifiable public records.

Whether 49085 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49085 can be compared directly against any other ZIP in Berrien County, Michigan or nationwide. Where the public record is thin for 49085, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 figure for 49085 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 49085 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.