ZIP 49424 Property Distress & Foreclosure Data

DLRadar grades ZIP 49424 (Ottawa County, Michigan) at a low 17/100 for overall property distress. Property-level stress concentrates in construction/permit lag (41/100), structural risk (36/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (85/100). On the structural side it scores 36/100, with 1/100 of stress already active.

The market reads expansion — home values rose 5.5% year on year, and 21% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 34% of adults hold a bachelor's degree or higher. 76% of housing is owner-occupied. The poverty rate is 8.7%. The ZIP holds roughly 20,531 housing units. Around 26% of renters are cost-burdened. The demographic-stress sub-score lands at 26/100. At $82,353, median income runs near typical U.S. levels. The vacancy rate is 4.6%. The typical home is worth about $297,000 (3.3× income, relatively affordable). About 48,995 people live here, median age 39.

Overall 49424 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.