ZIP 49099 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 49099 in St. Joseph County, Michigan comes in at 12, a minimal composite-distress reading. Structurally it carries 26/100, against 1/100 of stress already in motion. Leading the profile are structural risk (26/100), construction/permit lag (24/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (5/100).

The peak-phase market in 49099 posted values that rose 4.6% over the year, and 9% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 2,820 housing units. Rent burden reaches 52% of tenant households. The vacancy rate is 14.1% — elevated. Educational attainment sits at 12% bachelor's-or-above. Home values center near $176,800, an affordability ratio of 2.8× — accessible. On demographic stress specifically, 49099 scores 32/100. Roughly 13.7% live below the poverty line. Population is roughly 5,699 with a median age of 45. Median household income is $62,147, below the U.S. median near $78,000. 76% of housing is owner-occupied.

Taken together, 49099 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 49099 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 49099 runs through one identical scoring model, so its 12/100 sits on the same scale as every other ZIP in St. Joseph County, Michigan and the nation. Where the record is thin for 49099, the field stays empty rather than modeled, and fills in as new documents post.

49099's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 49099 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.