ZIP 49404 Foreclosure, Tax-Lien & Distress Report
Ottawa County, Michigan · Distress market
ZIP 49404's composite property-distress score is 24/100 - DLRadar classes that as low for Ottawa County, Michigan. Leading the profile are construction/permit lag (63/100), structural risk (55/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (2/100) stay muted. Structural risk reads 55/100 against active distress of 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (68/100).
Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 25% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.
Median household income is $77,970, near the U.S. median near $78,000. 81% of housing is owner-occupied. Around 39% of renters are cost-burdened. Educational attainment sits at 25% bachelor's-or-above. The poverty rate is 5.6% — low. Home values center near $295,100, an affordability ratio of 3.5× — accessible. Vacancy runs 2.9%. About 9,021 people live here, median age 36. DLRadar's demographic-stress index for the area reads 28/100. There are about 3,342 housing units across 49404.
On balance 49404 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 49404 at the moment; the composite and its components are still built from verifiable records.
The number is not local guesswork: 49404's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 49404, the field stays empty rather than modeled, and fills in as new documents post.
49404's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 49404 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 49404
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 49404 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Ottawa County ZIPs near 49404
Nearest ZIP codes to 49404
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Further distress data across Ottawa County, Michigan at ZIP, county and state level.
See every distressed parcel in 49404
See who owns each distressed property in 49404, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology