ZIP 49088 Property Distress & Foreclosure Data

Composite property distress in 49088 (Kalamazoo County, Michigan) lands at 22/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (83/100). The latent-versus-live split is 51/100 structural and 3/100 already moving. The sharpest non-environmental signals are structural risk (51/100), construction/permit lag (33/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 5.2% year on year, 1.1% off the recent peak, and 24% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 16/100. The typical home is worth about $284,300 (2.5× income, relatively affordable). Around 0% of renters are cost-burdened. Around 33% of adults hold a bachelor's degree or higher. The poverty rate is 3.4% — low. The ZIP holds roughly 1,582 housing units. At $103,140, median income runs above typical U.S. levels. About 3,747 people live here, median age 44. 96% of housing is owner-occupied. The vacancy rate is 0.8%.

Overall 49088 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.