ZIP 49404 Foreclosure, Tax-Lien & Distress Report

ZIP 49404's composite property-distress score is 23/100 - DLRadar classes that as low for Ottawa County, Michigan. Leading the profile are construction/permit lag (60/100), structural risk (53/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (2/100) stay muted. Structural risk reads 53/100 against active distress of 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (62/100).

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 public records.

The number is not local guesswork: 49404's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public 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.