ZIP 49633 Foreclosure, Tax-Lien & Distress Report

ZIP code 49633 in Kalkaska County, Michigan carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. The split runs 39/100 structural to 2/100 active on the ground. Leading the profile are construction/permit lag (62/100), structural risk (39/100), institutional ownership (33/100). institutional ownership (33/100) and mortgage stress (7/100) stay muted.

The market reads peak — home values rose 3.2% year on year, and 34% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Educational attainment sits at 22% bachelor's-or-above. Roughly 14.6% live below the poverty line. About 3,325 people live here, median age 51. Rent burden reaches 64% of tenant households. Home values center near $189,700, an affordability ratio of 2.5× — accessible. The demographic-stress sub-score lands at 33/100. At $69,567, median income runs near typical U.S. levels. The vacancy rate is 43.7% — elevated. 90% of housing is owner-occupied. The ZIP holds roughly 2,756 housing units.

On the whole, 49633 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 49633 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 49633 shows blanks, not estimates, wherever the record is sparse.

Behind 49633'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. Practically, 49633 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.