ZIP 49448 Property Distress & Foreclosure Data

Composite property distress in 49448 (Ottawa County, Michigan) lands at 17/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are 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 (82/100). The latent-versus-live split is 36/100 structural and 1/100 already moving.

The market reads expansion — home values rose 5.6% year on year, and 14% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

87% of housing is owner-occupied. The poverty rate is 3.2% — low. At $81,536, median income runs near typical U.S. levels. Around 35% of adults hold a bachelor's degree or higher. Around 9% of renters are cost-burdened. The typical home is worth about $301,300 (3.3× income, relatively affordable). The ZIP holds roughly 1,712 housing units. About 4,354 people live here, median age 39. The demographic-stress sub-score lands at 21/100. The vacancy rate is 2.8%.

Overall 49448 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.