ZIP 49115 Foreclosure, Tax-Lien & Distress Report

ZIP code 49115 in Berrien County, Michigan carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. Latent structural risk is 52/100 while live distress already moving reads 0/100. Environmental exposure also runs high (climate & FEMA risk (82/100)). What sets it apart are the readings on construction/permit lag (66/100), structural risk (52/100), institutional ownership (13/100). institutional ownership (13/100) stay muted.

Prices here sit in a expansion phase: values rose 7.0% over the trailing year, and 97% higher over three years, at 47/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

8.0% of residents fall below the poverty threshold. Owners hold 100% of homes, renters 0%. Households earn a median $60,370 — below the roughly $78,000 national figure. Educational attainment sits at 91% bachelor's-or-above. Vacancy runs 82.7%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 112 with a median age of 70. On demographic stress specifically, 49115 scores 39/100. A median home runs $339,500 here, or 4.5 times local income. The ZIP holds roughly 485 housing units.

Taken together, 49115 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 49115 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 49115 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49115 can be compared directly against any other ZIP in Berrien County, Michigan or nationwide. Where the record is thin for 49115, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 49115 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. Treat 49115 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.