ZIP 49232 Foreclosure, Tax-Lien & Distress Report

ZIP code 49232 in Hillsdale County, Michigan carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — flood (NFIP) exposure (65/100). Leading the profile are structural risk (31/100), construction/permit lag (16/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. Structural risk reads 31/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 42% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

2,829 residents call 49232 home, typically aged 39. Owners hold 83% of homes, renters 17%. Home values center near $210,500, an affordability ratio of 4.0×. Vacancy runs 25.2%, above the national norm and a classic distress-and-opportunity signal. About 7% have a four-year degree. Roughly 34.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $53,462, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 40/100. The ZIP holds roughly 1,236 housing units. Around 40% of renters are cost-burdened.

Taken together, 49232 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 49232 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 49232's 14/100 can be lined up against any neighbor in Hillsdale County, Michigan or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 49232 reflects the current record instead of a stale or modeled snapshot.

The 14/100 figure for 49232 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 49232 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.