ZIP 49637 Property Distress & Foreclosure Data

Composite property distress in 49637 (Grand Traverse County, Michigan) lands at 20/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (45/100), construction/permit lag (35/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (9/100) register low. On the structural side it scores 45/100, with 3/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100), climate & FEMA risk (69/100).

The market reads expansion — home values rose 7.0% year on year, and 15% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 1,476 housing units. The poverty rate is 10.2%. Around 0% of renters are cost-burdened. The vacancy rate is 21.6% — elevated. Around 22% of adults hold a bachelor's degree or higher. About 3,535 people live here, median age 40. 88% of housing is owner-occupied. The demographic-stress sub-score lands at 23/100. At $74,871, median income runs near typical U.S. levels. The typical home is worth about $237,100 (3.0× income, relatively affordable).

Net-net, 49637 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.