ZIP 49685 Foreclosure, Tax-Lien & Distress Report

ZIP 49685's composite property-distress score is 30/100 - DLRadar classes that as moderate for Grand Traverse County, Michigan. On the structural side it scores 68/100, with 3/100 of stress already active. What sets it apart are the readings on construction/permit lag (70/100), structural risk (68/100), institutional ownership (52/100). On the quiet end sit mortgage stress (9/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100), climate & FEMA risk (69/100).

The market reads peak — home values rose 3.1% year on year, and 23% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 9,251 housing units across 49685. Owners hold 80% of homes, renters 20%. The vacancy rate is 11.0%. 8.7% of residents fall below the poverty threshold. Home values center near $358,500, an affordability ratio of 3.7× — accessible. On demographic stress specifically, 49685 scores 29/100. Households earn a median $82,639 — near the roughly $78,000 national figure. Around 38% of adults hold a bachelor's degree or higher. 21,297 residents call 49685 home, typically aged 40. Rent burden reaches 37% of tenant households.

Overall, 49685 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 49685 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 49685 runs through one identical scoring model, so its 30/100 sits on the same scale as every other ZIP in Grand Traverse County, Michigan and the nation. Where the record is thin for 49685, the field stays empty rather than modeled, and fills in as new documents post.

Behind 49685's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 49685 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.