ZIP 49685 Property Distress & Foreclosure Data

In Grand Traverse County, Michigan, ZIP 49685 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 45/100 against active distress of 3/100. Its standout signals are structural risk (45/100), construction/permit lag (35/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100), climate & FEMA risk (69/100).

The market reads expansion — home values rose 7.0% year on year, and 23% higher over three years, at 35/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 9,251 housing units across 49685. 80% of housing is owner-occupied. Vacancy runs 11.0%. The poverty rate is 8.7%. The typical home is worth about $358,500 (3.7× income, relatively affordable). The demographic-stress sub-score lands at 29/100. At $82,639, median income runs near typical U.S. levels. Around 38% of adults hold a bachelor's degree or higher. About 21,297 people live here, median age 40. Rent burden reaches 37% of tenant households.

Overall 49685 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.