ZIP 49401 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49401 (Ottawa County, Michigan) lands at 24/100 — low on DLRadar's distress scoring. Environmental exposure also runs high (climate & FEMA risk (85/100), flood (NFIP) exposure (69/100)). Leading the profile are construction/permit lag (62/100), structural risk (55/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (2/100). On the structural side it scores 55/100, with 1/100 of stress already active.

The peak-phase market in 49401 posted values that rose 3.9% over the year, and 24% higher over three years, at 25/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $321,500 (4.1× income). Roughly 26.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 6.1%. The tenure split is 56% owner-occupied to 44% rented. There are about 9,441 housing units across 49401. Educational attainment sits at 41% bachelor's-or-above. 28,941 residents call 49401 home, typically aged 22. Median household income is $73,020, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 37/100. Around 52% of renters are cost-burdened.

On the whole, 49401 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 49401 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 49401 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 49401 stays directly comparable to neighboring ZIPs and the rest of Ottawa County, Michigan. The score is rebuilt from public data as it updates, so 49401 reflects the current record instead of a stale or modeled snapshot.

49401's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 49401 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.