ZIP 49686 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 49686 (Grand Traverse County, Michigan) returns a moderate composite of 30/100. Property-level stress concentrates in construction/permit lag (70/100), structural risk (68/100), institutional ownership (52/100). On the quiet end sit mortgage stress (9/100). Climate and flood risk are elevated too — flood (NFIP) exposure (88/100), climate & FEMA risk (69/100). The split runs 68/100 structural to 3/100 active on the ground.

The peak-phase market in 49686 posted values that rose 3.1% over the year, and 23% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

Around 39% of renters are cost-burdened. There are about 13,547 housing units across 49686. Median household income is $71,198, near the U.S. median near $78,000. On demographic stress specifically, 49686 scores 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. About 25,181 people live here, median age 47.

On balance 49686 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 49686 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 49686 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 49686 reflects the current record instead of a stale or modeled snapshot.

49686's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 49686 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.