ZIP 49646 Foreclosure, Tax-Lien & Distress Report

ZIP 49646's composite property-distress score is 14/100 - DLRadar classes that as minimal for Kalkaska County, Michigan. Structural risk reads 30/100 against active distress of 3/100. Its standout signals are construction/permit lag (53/100), institutional ownership (30/100), structural risk (30/100). On the quiet end sit structural risk (30/100) and mortgage stress (8/100).

The market reads peak — home values rose 3.1% year on year, and 33% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 84% of homes, renters 16%. 13.1% of residents fall below the poverty threshold. There are about 5,724 housing units across 49646. Rent burden reaches 35% of tenant households. On demographic stress specifically, 49646 scores 31/100. About 15% have a four-year degree. At $55,188, median income runs below typical U.S. levels. Population is roughly 8,573 with a median age of 44. Home values center near $182,200, an affordability ratio of 3.0× — accessible. Vacancy runs 31.9%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 49646 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 49646 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 49646 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49646 can be compared directly against any other ZIP in Kalkaska County, Michigan or nationwide. Nothing here is interpolated — where a source is thin for 49646, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 14/100 for 49646 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 49646 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.