ZIP 49712 Property Distress & Foreclosure Data
DLRadar grades ZIP 49712 (Charlevoix County, Michigan) at a minimal 9/100 for overall property distress. The latent-versus-live split is 21/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (51/100), structural risk (21/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (3/100) register low.
The market reads expansion — home values rose 6.4% year on year, and 21% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
At $74,202, median income runs near typical U.S. levels. The poverty rate is 6.7% — low. The demographic-stress sub-score lands at 27/100. Around 36% of adults hold a bachelor's degree or higher. The vacancy rate is 24.4% — elevated. The ZIP holds roughly 5,092 housing units. Around 34% of renters are cost-burdened. About 8,177 people live here, median age 50. The typical home is worth about $294,800 (3.4× income, relatively affordable). 82% of housing is owner-occupied.
Net-net, 49712 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Distress signal breakdown — ZIP 49712
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Nearby ZIPs in Charlevoix County
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Deterministic. Every signal traces to a public dataset · methodology