ZIP 49322 Foreclosure, Tax-Lien & Distress Report

In Montcalm County, Michigan, ZIP 49322 scores 25 of 100 for composite distress, a low level on DLRadar's distress index. On the structural side it scores 55/100, with 1/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (73/100), FEMA disaster exposure (60/100)). Its heaviest discrete signals: structural risk (55/100), institutional ownership (48/100), construction/permit lag (46/100). On the quiet end sit mortgage stress (4/100).

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 40% higher over three years, at 25/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 34.5% — elevated. A median home runs $156,800 here, or 2.1 times local income. Owners hold 88% of homes, renters 12%. Rent burden reaches 33% of tenant households. Households earn a median $69,231 — near the roughly $78,000 national figure. There are about 610 housing units across 49322. 1,222 residents call 49322 home, typically aged 44. Around 15% of adults hold a bachelor's degree or higher. The poverty rate is 11.4%. DLRadar's demographic-stress index for the area reads 28/100.

Taken together, 49322 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 49322 is not published yet -- the ZIP-level readings above remain fully sourced.

The 49322 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 49322 stays directly comparable to neighboring ZIPs and the rest of Montcalm County, Michigan. Sparse data for 49322 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 49322'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. The point of the 49322 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.