ZIP 49713 Foreclosure, Tax-Lien & Distress Report

ZIP 49713's composite property-distress score is 15/100 - DLRadar classes that as low for Charlevoix County, Michigan. The pressure is most legible in construction/permit lag (46/100), structural risk (34/100), institutional ownership (33/100). On the quiet end sit institutional ownership (33/100) and mortgage stress (7/100). The split runs 34/100 structural to 2/100 active on the ground.

The expansion-phase market in 49713 posted values that rose 5.4% over the year, and 48% higher over three years, at 31/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 37.6%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 7.0% — low. Owners hold 87% of homes, renters 13%. Around 25% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,521 housing units. At $77,375, median income runs near typical U.S. levels. The typical home is worth about $244,000 (2.6× income, relatively affordable). Rent burden reaches 21% of tenant households. Population is roughly 2,175 with a median age of 42. The demographic-stress sub-score lands at 25/100.

Net-net, 49713 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 49713 at the moment; the composite and its components are still built from verifiable public records.

The 49713 read uses the identical public-record model applied coast to coast, which means its 15/100 score means exactly what it means anywhere else, and 49713 stays directly comparable to neighboring ZIPs and the rest of Charlevoix County, Michigan. Where the public record is thin for 49713, the field stays empty rather than modeled, and fills in as new documents post.

The 15/100 for 49713 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 49713 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.