ZIP 49638 Foreclosure, Tax-Lien & Distress Report

ZIP code 49638 in Wexford County, Michigan carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (60/100)). Its standout signals are institutional ownership (41/100), structural risk (41/100), construction/permit lag (36/100). construction/permit lag (36/100) and mortgage stress (5/100) stay muted. The latent-versus-live split is 41/100 structural and 2/100 already moving.

Prices here sit in a peak phase: values rose 4.5% over the trailing year, and 42% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

A median home runs $142,900 here, or 2.3 times local income. The vacancy rate is 41.5% — elevated. The tenure split is 91% owner-occupied to 9% rented. 17.7% of residents fall below the poverty threshold. Population is roughly 817 with a median age of 52. Around 15% of renters are cost-burdened. Households earn a median $50,000 — below the roughly $78,000 national figure. On demographic stress specifically, 49638 scores 27/100. The ZIP holds roughly 595 housing units. Around 17% of adults hold a bachelor's degree or higher.

Taken together, 49638 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 49638 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 49638 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. Where the public record is thin for 49638, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 49638 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. The point of the 49638 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.