ZIP 49712 Foreclosure, Tax-Lien & Distress Report
Charlevoix County, Michigan · High Vacancy market
ZIP code 49712 in Charlevoix County, Michigan carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. The split runs 33/100 structural to 2/100 active on the ground. Its standout signals are construction/permit lag (45/100), institutional ownership (33/100), structural risk (33/100). On the quiet end sit structural risk (33/100) and mortgage stress (7/100).
The expansion-phase market in 49712 posted values that rose 5.5% over the year, and 21% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
Households earn a median $74,202 — near the roughly $78,000 national figure. The poverty rate is 6.7% — low. On demographic stress specifically, 49712 scores 27/100. Educational attainment sits at 36% bachelor's-or-above. Vacancy runs 24.4%, above the national norm and a classic distress-and-opportunity signal. There are about 5,092 housing units across 49712. Around 34% of renters are cost-burdened. About 8,177 people live here, median age 50. A median home runs $294,800 here, or 3.4 times local income. 82% of housing is owner-occupied.
On the whole, 49712 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 49712 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 49712 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 49712 shows as blanks, never estimates, and the score updates on every fresh public filing.
Behind 49712'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, 49712 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 49712 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 49712 distress snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Charlevoix County
Keep exploring Michigan distress
Other reports tied to Charlevoix County, Michigan — ZIP, county and statewide.
See every distressed parcel in 49712
Every distressed parcel in 49712 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology