ZIP 49449 Foreclosure, Tax-Lien & Distress Report
Oceana County, Michigan · High Vacancy market
In Oceana County, Michigan, ZIP 49449 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in construction/permit lag (47/100), structural risk (32/100), institutional ownership (25/100). By contrast, institutional ownership (25/100) and mortgage stress (7/100) register low. The latent-versus-live split is 32/100 structural and 2/100 already moving.
The market reads expansion — home values rose 5.1% year on year, and 6% higher over three years (phase confidence 30/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The vacancy rate is 52.5% — elevated. 10.5% of residents fall below the poverty threshold. A median home runs $307,300 here, or 3.8 times local income. Around 43% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,624 housing units. At $74,286, median income runs near typical U.S. levels. 2,794 residents call 49449 home, typically aged 58. On demographic stress specifically, 49449 scores 31/100. 88% of housing is owner-occupied. Around 34% of renters are cost-burdened.
Net-net, 49449 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 49449 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 49449 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 49449 shows blanks, not estimates, wherever the record is sparse.
Each component behind 49449 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. The point of the 49449 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 49449
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 49449 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Oceana County ZIPs near 49449
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See every distressed parcel in 49449
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Deterministic scoring, sourced entirely from public data · methodology