ZIP 49642 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49642 (Lake County, Michigan) lands at 13/100 — minimal on DLRadar's distress scoring. Structural risk reads 28/100 against active distress of 4/100. Its standout signals are construction/permit lag (40/100), institutional ownership (32/100), structural risk (28/100). On the quiet end sit structural risk (28/100) and mortgage stress (13/100).

Prices here sit in a expansion phase: values rose 5.5% over the trailing year (phase confidence 32/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Educational attainment sits at 15% bachelor's-or-above. The vacancy rate is 63.3% — elevated. Roughly 41.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 1,062 with a median age of 46. Households earn a median $26,471 — below the roughly $78,000 national figure. On demographic stress specifically, 49642 scores 47/100. The ZIP holds roughly 1,086 housing units. 73% of housing is owner-occupied. Rent burden reaches 54% of tenant households. Home values center near $116,100, an affordability ratio of 4.1×.

On the whole, 49642 leans distressed, with opportunity clustered in specific stressed parcels. While 49642 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 49642 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49642 can be compared directly against any other ZIP in Lake County, Michigan or nationwide. Nothing here is interpolated — where a source is thin for 49642, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 13/100 figure for 49642 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 49642 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.