ZIP 49720 Foreclosure, Tax-Lien & Distress Report
Charlevoix County, Michigan · High Vacancy market
DLRadar grades ZIP 49720 (Charlevoix County, Michigan) at a low 15/100 for overall property distress. The pressure is most legible in 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 latent-versus-live split is 33/100 structural and 2/100 already moving.
The expansion-phase market in 49720 posted values that rose 5.5% over the year, and 30% higher over three years, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
Population is roughly 9,113 with a median age of 53. A median home runs $297,500 here, or 3.5 times local income. Owners hold 79% of homes, renters 21%. The vacancy rate is 28.6% — elevated. There are about 6,215 housing units across 49720. On demographic stress specifically, 49720 scores 31/100. Around 38% of adults hold a bachelor's degree or higher. Households earn a median $76,127 — near the roughly $78,000 national figure. Around 45% of renters are cost-burdened. The poverty rate is 10.6%.
Net-net, 49720 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 49720 at the moment; the composite and its components are still built from verifiable public records.
Because one deterministic model scores every ZIP, 49720's 15/100 can be lined up against any neighbor in Charlevoix County, Michigan or any ZIP coast to coast. Sparse data for 49720 shows as blanks, never estimates, and the score updates on every fresh public filing.
Behind 49720'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. Practically, 49720 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.
What is driving ZIP 49720’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 49720 by the numbers
49720 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Adjacent Charlevoix County ZIP reports
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Deterministic scoring, sourced entirely from public data · methodology