ZIP 49460 Property Distress & Foreclosure Data

DLRadar grades ZIP 49460 (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. On the structural side it scores 36/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (85/100).

The market reads expansion — home values rose 5.5% year on year, and 19% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $97,194, median income runs above typical U.S. levels. Around 24% of renters are cost-burdened. The poverty rate is 4.1% — low. The typical home is worth about $367,700 (3.7× income, relatively affordable). 92% of housing is owner-occupied. About 8,891 people live here, median age 39. Around 34% of adults hold a bachelor's degree or higher. The ZIP holds roughly 3,612 housing units. The demographic-stress sub-score lands at 25/100. The vacancy rate is 10.6%.

Overall 49460 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.