ZIP 49129 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 49129 in Berrien County, Michigan comes in at 21, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (82/100). Structural risk reads 47/100 against active distress of 1/100. Its standout signals are 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.

Prices here sit in a expansion phase: values rose 7.0% over the trailing year, and 28% higher over three years, at 47/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $104,000, median income runs above typical U.S. levels. Rent burden reaches 53% of tenant households. Roughly 0.7% live below the poverty line, a low share typical of higher-equity areas. 93% of housing is owner-occupied. Around 70% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,153 housing units. DLRadar's demographic-stress index for the area reads 36/100. 615 residents call 49129 home, typically aged 61. Vacancy runs 72.2%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $654,200 (5.6× income).

Net-net, 49129 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 49129 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 49129 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 49129 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. The point of the 49129 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.