ZIP 49696 Foreclosure, Tax-Lien & Distress Report

ZIP 49696's composite property-distress score is 30/100 - DLRadar classes that as moderate for Grand Traverse County, Michigan. Latent structural risk is 68/100 while live distress already moving reads 3/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100), climate & FEMA risk (69/100). The most distinctive pressure shows up in construction/permit lag (70/100), structural risk (68/100), institutional ownership (52/100). mortgage stress (9/100) stay muted.

The market reads peak — home values rose 3.1% year on year, and 31% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 92% owner-occupied to 8% rented. There are about 5,173 housing units across 49696. Median household income is $96,138, above the U.S. median near $78,000. Vacancy runs 18.5%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 10,570 with a median age of 44. Rent burden reaches 68% of tenant households. The demographic-stress sub-score lands at 29/100. Educational attainment sits at 41% bachelor's-or-above. The typical home is worth about $306,100 (3.0× income, relatively affordable). 4.4% of residents fall below the poverty threshold.

Net-net, 49696 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 49696 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 49696 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. 49696 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 49696'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, 49696 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.