ZIP 49436 Foreclosure, Tax-Lien & Distress Report

In Oceana County, Michigan, ZIP 49436 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (flood (NFIP) exposure (72/100)). The sharpest non-environmental signals are construction/permit lag (51/100), structural risk (49/100), institutional ownership (48/100). On the quiet end sit mortgage stress (8/100). Latent structural risk is 49/100 while live distress already moving reads 2/100.

The expansion-phase market in 49436 posted values that rose 5.5% over the year, and 26% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $255,000, an affordability ratio of 3.5× — accessible. 91% of housing is owner-occupied. The ZIP holds roughly 2,239 housing units. Around 23% of adults hold a bachelor's degree or higher. Households earn a median $67,344 — below the roughly $78,000 national figure. Rent burden reaches 55% of tenant households. Population is roughly 1,688 with a median age of 57. On demographic stress specifically, 49436 scores 35/100. Vacancy runs 64.9%, above the national norm and a classic distress-and-opportunity signal. 5.7% of residents fall below the poverty threshold.

Taken together, 49436 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 49436 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 49436 runs through one identical scoring model, so its 22/100 sits on the same scale as every other ZIP in Oceana County, Michigan and the nation. 49436 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 49436's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 49436 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.