ZIP 49404 Property Distress & Foreclosure Data

ZIP code 49404 in Ottawa County, Michigan carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (41/100), structural risk (36/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). The latent-versus-live split is 36/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (84/100)).

The expansion-phase market in 49404 posted values that rose 5.5% over the year, and 25% higher over three years (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $77,970, near the U.S. median near $78,000. Owners hold 81% of homes, renters 19%. Around 39% of renters are cost-burdened. Educational attainment sits at 25% bachelor's-or-above. 5.6% of residents fall below the poverty threshold. Home values center near $295,100, an affordability ratio of 3.5× — accessible. The vacancy rate is 2.9%. Population is roughly 9,021 with a median age of 36. DLRadar's demographic-stress index for the area reads 28/100. The ZIP holds roughly 3,342 housing units.

On balance 49404 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.