ZIP 49680 Foreclosure, Tax-Lien & Distress Report

Kalkaska County, Michigan's ZIP 49680 registers 14/100 composite distress, which DLRadar reads as minimal. Structurally it carries 30/100, against 3/100 of stress already in motion. The pressure is most legible in 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 28% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 17.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 50% of renters are cost-burdened. Around 17% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 30/100. About 2,125 people live here, median age 36. The tenure split is 94% owner-occupied to 6% rented. The ZIP holds roughly 896 housing units. The vacancy rate is 18.4% — elevated. Households earn a median $62,105 — below the roughly $78,000 national figure. A median home runs $168,000 here, or 2.5 times local income.

On the whole, 49680 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 49680 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 14/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 49680, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 14/100 figure for 49680 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. In workflow terms, 49680 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.