ZIP 49706 Foreclosure, Tax-Lien & Distress Report

In Emmet County, Michigan, ZIP 49706 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. The split runs 50/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100). What sets it apart are the readings on structural risk (50/100), institutional ownership (47/100), construction/permit lag (46/100). mortgage stress (8/100) stay muted.

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 34% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 4,712 with a median age of 42. Rent burden reaches 18% of tenant households. The typical home is worth about $248,500 (3.3× income, relatively affordable). The ZIP holds roughly 2,917 housing units. Around 22% of adults hold a bachelor's degree or higher. Vacancy runs 26.1%, above the national norm and a classic distress-and-opportunity signal. Roughly 13.1% live below the poverty line. Median household income is $63,573, below the U.S. median near $78,000. Owners hold 79% of homes, renters 21%. On demographic stress specifically, 49706 scores 28/100.

On the whole, 49706 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 49706 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 49706's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 49706 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 49706'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, 49706 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.