ZIP 49446 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49446 (Oceana County, Michigan) lands at 21/100 — low on DLRadar's distress scoring. Leading the profile are construction/permit lag (51/100), structural risk (49/100), institutional ownership (48/100). By contrast, mortgage stress (8/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (72/100). Structural exposure scores 49 and live distress 2 on the 0–100 scale.

The expansion-phase market in 49446 posted values that rose 5.5% over the year, and 3% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $71,136, median income runs near typical U.S. levels. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 20% have a four-year degree. Owners hold 89% of homes, renters 11%. DLRadar's demographic-stress index for the area reads 32/100. About 2,306 people live here, median age 43. The ZIP holds roughly 1,155 housing units. The vacancy rate is 29.3% — elevated. Rent burden reaches 47% of tenant households. The typical home is worth about $209,100 (2.7× income, relatively affordable).

Net-net, 49446 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 49446 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 49446 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 49446 stays directly comparable to neighboring ZIPs and the rest of Oceana County, Michigan. Where the record is thin for 49446, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 49446 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. Treat 49446 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.