ZIP 49632 Foreclosure, Tax-Lien & Distress Report

ZIP 49632's composite property-distress score is 14/100 - DLRadar classes that as minimal for Missaukee County, Michigan. Latent structural risk is 30/100 while live distress already moving reads 2/100. Environmental exposure also runs high (FEMA disaster exposure (60/100)). Leading the profile are construction/permit lag (55/100), institutional ownership (33/100), structural risk (30/100). By contrast, structural risk (30/100) and mortgage stress (7/100) register low.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 38% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $151,000, an affordability ratio of 2.6× — accessible. Roughly 10.1% live below the poverty line. There are about 777 housing units across 49632. About 14% have a four-year degree. About 1,010 people live here, median age 55. Around 39% of renters are cost-burdened. The tenure split is 93% owner-occupied to 7% rented. Households earn a median $47,321 — below the roughly $78,000 national figure. The vacancy rate is 40.4% — elevated. On demographic stress specifically, 49632 scores 30/100.

Taken together, 49632 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 49632 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 49632 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49632 can be compared directly against any other ZIP in Missaukee County, Michigan or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 49632 shows blanks, not estimates, wherever the record is sparse.

The 14/100 for 49632 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 49632 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.