ZIP 49412 Foreclosure, Tax-Lien & Distress Report

Newaygo County, Michigan's ZIP 49412 registers 20/100 composite distress, which DLRadar reads as low. On the structural side it scores 46/100, with 2/100 of stress already active. Leading the profile are structural risk (46/100), institutional ownership (44/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (5/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (74/100).

The market reads expansion — home values rose 5.4% year on year, and 27% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 12,079 with a median age of 39. Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 26/100. Rent burden reaches 26% of tenant households. 84% of housing is owner-occupied. Educational attainment sits at 28% bachelor's-or-above. The ZIP holds roughly 5,220 housing units. Households earn a median $63,504 — below the roughly $78,000 national figure. Home values center near $197,900, an affordability ratio of 2.8× — accessible. The poverty rate is 13.9%.

Net-net, 49412 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 49412's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 49412 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 20/100 for 49412 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 49412 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.