ZIP 49649 Foreclosure, Tax-Lien & Distress Report

ZIP code 49649 in Grand Traverse County, Michigan carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. On the structural side it scores 62/100, with 3/100 of stress already active. Its heaviest discrete signals: construction/permit lag (65/100), structural risk (62/100), institutional ownership (45/100). By contrast, mortgage stress (8/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (77/100), climate & FEMA risk (66/100)).

The peak-phase market in 49649 posted values that rose 3.2% over the year, and 18% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Population is roughly 7,293 with a median age of 37. Home values center near $267,700, an affordability ratio of 3.4× — accessible. There are about 2,744 housing units across 49649. 83% of housing is owner-occupied. Vacancy runs 11.3%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 49649 scores 28/100. Roughly 6.3% live below the poverty line, a low share typical of higher-equity areas. Around 24% of adults hold a bachelor's degree or higher. Households earn a median $73,021 — near the roughly $78,000 national figure. Rent burden reaches 33% of tenant households.

On balance 49649 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 49649 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 49649 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49649 can be compared directly against any other ZIP in Grand Traverse County, Michigan or nationwide. Sparse data for 49649 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 49649 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. For a buyer, 49649 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.