ZIP 49716 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49716 (Emmet County, Michigan) lands at 23/100 — low on DLRadar's distress scoring. Leading the profile are structural risk (51/100), institutional ownership (48/100), construction/permit lag (46/100). By contrast, mortgage stress (8/100) register low. The latent-versus-live split is 51/100 structural and 2/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (70/100), FEMA disaster exposure (60/100)).

The market reads peak — home values rose 4.6% year on year, and 20% higher over three years, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 41.0%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 652 housing units. Educational attainment sits at 32% bachelor's-or-above. Around 0% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 25/100. About 1,039 people live here, median age 42. Median household income is $82,438, near the U.S. median near $78,000. 92% of housing is owner-occupied. The poverty rate is 16.6% — high, a tax-stress and distress correlate. Home values center near $307,100, an affordability ratio of 3.1× — accessible.

On the whole, 49716 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 49716 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 49716 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 49716, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 23/100 figure for 49716 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 49716 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.