ZIP 49130 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 49130 in Cass County, Michigan comes in at 20, a low composite-distress reading. It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100). On the structural side it scores 47/100, with 3/100 of stress already active. Leading the profile are construction/permit lag (61/100), structural risk (47/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (10/100).

The expansion-phase market in 49130 posted values that rose 6.1% over the year, and 21% higher over three years (phase confidence 36/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 19% of renters are cost-burdened. About 25% have a four-year degree. Median household income is $81,728, near the U.S. median near $78,000. Home values center near $341,900, an affordability ratio of 4.1×. Roughly 3.5% live below the poverty line, a low share typical of higher-equity areas. The demographic-stress sub-score lands at 28/100. There are about 759 housing units across 49130. Vacancy runs 27.1%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 1,216 with a median age of 59. Owners hold 81% of homes, renters 19%.

On the whole, 49130 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 49130 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 49130 stays directly comparable to neighboring ZIPs and the rest of Cass County, Michigan. Sparse data for 49130 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 49130's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 49130 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.