ZIP 49631 Foreclosure, Tax-Lien & Distress Report
Osceola County, Michigan · High Vacancy market
DLRadar grades ZIP 49631 (Osceola County, Michigan) at a low 18/100 for overall property distress. Its heaviest discrete signals: institutional ownership (44/100), structural risk (40/100), construction/permit lag (28/100). construction/permit lag (28/100) and mortgage stress (7/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (71/100)). Structural exposure scores 40 and live distress 2 on the 0–100 scale.
Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 27% higher over three years, at 31/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
Median household income is $46,250, below the U.S. median near $78,000. The vacancy rate is 36.2% — elevated. About 14% have a four-year degree. 5,646 residents call 49631 home, typically aged 51. Around 50% of renters are cost-burdened. Home values center near $132,300, an affordability ratio of 2.6× — accessible. 17.2% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 33/100. The ZIP holds roughly 3,643 housing units. Owners hold 83% of homes, renters 17%.
On the whole, 49631 leans distressed, with opportunity clustered in specific stressed parcels. While 49631 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 49631's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 49631 reflects the current record instead of a stale or modeled snapshot.
Behind 49631's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 49631 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
ZIP 49631 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 49631 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 49631, the same set carried on every parcel.
Nearby ZIPs in Osceola County
More distress data near 49631
Keep going: ZIP, county and state distress coverage for Osceola County, Michigan.
Open the complete 49631 acquisition file
Every distressed parcel in 49631 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology