ZIP 49676 Foreclosure, Tax-Lien & Distress Report
Kalkaska County, Michigan · High Vacancy market
ZIP 49676's composite property-distress score is 17/100 - DLRadar classes that as low for Kalkaska County, Michigan. It additionally carries heavy environmental risk: FEMA disaster exposure (60/100). Its standout signals are construction/permit lag (49/100), institutional ownership (38/100), structural risk (37/100). On the quiet end sit structural risk (37/100) and mortgage stress (9/100). On the structural side it scores 37/100, with 3/100 of stress already active.
The market reads peak — home values rose 4.2% year on year, and 26% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
3,689 residents call 49676 home, typically aged 51. Owners hold 91% of homes, renters 9%. The typical home is worth about $269,300 (3.6× income, relatively affordable). Around 41% of renters are cost-burdened. Roughly 11.8% live below the poverty line. Vacancy runs 35.3%, above the national norm and a classic distress-and-opportunity signal. About 31% have a four-year degree. DLRadar's demographic-stress index for the area reads 31/100. There are about 2,479 housing units across 49676. At $67,479, median income runs below typical U.S. levels.
Taken together, 49676 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 49676 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 49676 runs hot or quiet, its 17/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49676 can be compared directly against any other ZIP in Kalkaska County, Michigan or nationwide. The score is rebuilt from public data as it updates, so 49676 reflects the current record instead of a stale or modeled snapshot.
Each component behind 49676 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 17/100 roll-up. Practically, 49676 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
ZIP 49676 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 49676 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 49676, the same set carried on every parcel.
Other Kalkaska County ZIP codes
Nearest ZIP codes to 49676
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 49676
Other reports tied to Kalkaska County, Michigan — ZIP, county and statewide.
See every distressed parcel in 49676
Pull every distressed parcel in 49676 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Deterministic. Every signal traces to a public dataset · methodology