ZIP 49509 Foreclosure, Tax-Lien & Distress Report

ZIP code 49509 in Kent County, Michigan carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (79/100). Structural exposure scores 61 and live distress 5 on the 0–100 scale. The pressure is most legible in structural risk (61/100), institutional ownership (45/100), construction/permit lag (28/100). construction/permit lag (28/100) and mortgage stress (18/100) stay muted.

The market reads peak — home values rose 3.9% year on year, and 20% higher over three years (phase confidence 25/100). Topping markets hide individual distress behind strong averages.

Median household income is $64,981, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 30/100. Roughly 11.2% live below the poverty line. Educational attainment sits at 20% bachelor's-or-above. Rent burden reaches 46% of tenant households. 28,133 residents call 49509 home, typically aged 34. Home values center near $202,100, an affordability ratio of 2.8× — accessible. There are about 10,888 housing units across 49509. Vacancy runs 4.0%. Owners hold 70% of homes, renters 30%.

Overall, 49509 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 49509 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 49509 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 49509 reflects the current record instead of a stale or modeled snapshot.

Each component behind 49509 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. In workflow terms, 49509 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.