ZIP 49417 Foreclosure, Tax-Lien & Distress Report

Ottawa County, Michigan's ZIP 49417 registers 23/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: construction/permit lag (59/100), structural risk (53/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (2/100). It additionally carries heavy environmental risk: climate & FEMA risk (85/100), flood (NFIP) exposure (65/100). The latent-versus-live split is 53/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 22% higher over three years (phase confidence 25/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 7.3% — low. 33,277 residents call 49417 home, typically aged 43. Households earn a median $84,476 — near the roughly $78,000 national figure. Rent burden reaches 36% of tenant households. The ZIP holds roughly 14,970 housing units. The tenure split is 78% owner-occupied to 22% rented. About 38% have a four-year degree. The typical home is worth about $316,300 (3.4× income, relatively affordable). The demographic-stress sub-score lands at 27/100. The vacancy rate is 7.7%.

Overall 49417 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 49417 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 49417 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 49417 shows blanks, not estimates, wherever the record is sparse.

The 23/100 figure for 49417 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 49417 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.