ZIP 49312 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 49312 in Newaygo County, Michigan comes in at 22, a low composite-distress reading. What sets it apart are the readings on institutional ownership (52/100), structural risk (50/100), construction/permit lag (26/100). construction/permit lag (26/100) and mortgage stress (5/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (92/100), FEMA disaster exposure (60/100). On the structural side it scores 50/100, with 2/100 of stress already active.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

A median home runs $120,500 here, or 3.1 times local income. Roughly 54.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $40,208 — below the roughly $78,000 national figure. Educational attainment sits at 13% bachelor's-or-above. Around 100% of renters are cost-burdened. About 188 people live here, median age 41. The demographic-stress sub-score lands at 52/100. 82% of housing is owner-occupied. There are about 195 housing units across 49312. Vacancy runs 63.2%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 49312 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 49312 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 49312 runs through one identical scoring model, so its 22/100 sits on the same scale as every other ZIP in Newaygo County, Michigan and the nation. Sparse data for 49312 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 49312'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, 49312 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.