ZIP 49686 Property Distress & Foreclosure Data

DLRadar grades ZIP 49686 (Grand Traverse County, Michigan) at a low 20/100 for overall property distress. Property-level stress concentrates in structural risk (45/100), construction/permit lag (35/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (9/100). Environmental exposure also runs high (flood (NFIP) exposure (78/100), climate & FEMA risk (69/100)). The latent-versus-live split is 45/100 structural and 3/100 already moving.

The expansion-phase market in 49686 posted values that rose 7.0% over the year, and 23% higher over three years (phase confidence 35/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 39% of renters are cost-burdened. The ZIP holds roughly 13,547 housing units. Median household income is $71,198, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 46% bachelor's-or-above. The vacancy rate is 11.9% — elevated. Home values center near $344,700, an affordability ratio of 4.2×. Owners hold 71% of homes, renters 29%. 11.3% of residents fall below the poverty threshold. Population is roughly 25,181 with a median age of 47.

On balance 49686 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.