ZIP 49639 Foreclosure, Tax-Lien & Distress Report

Osceola County, Michigan's ZIP 49639 registers 18/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in institutional ownership (44/100), structural risk (41/100), construction/permit lag (28/100). On the quiet end sit construction/permit lag (28/100) and mortgage stress (7/100). The split runs 41/100 structural to 2/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (70/100)).

The expansion-phase market in 49639 posted values that rose 5.2% over the year, and 34% higher over three years, at 30/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 18% of adults hold a bachelor's degree or higher. Roughly 12.0% live below the poverty line. Households earn a median $62,409 — below the roughly $78,000 national figure. Population is roughly 2,420 with a median age of 45. Rent burden reaches 13% of tenant households. There are about 1,443 housing units across 49639. Home values center near $153,100, an affordability ratio of 2.2× — accessible. 88% of housing is owner-occupied. The demographic-stress sub-score lands at 23/100. The vacancy rate is 21.3% — elevated.

Net-net, 49639 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 49639 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 49639's 18/100 can be lined up against any neighbor in Osceola County, Michigan or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 49639 reflects the current record instead of a stale or modeled snapshot.

49639's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 49639 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.