ZIP 49728 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 49728 (Chippewa County, Michigan) at a minimal 14/100 for overall property distress. The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (33/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (3/100) register low. Latent structural risk is 33/100 while live distress already moving reads 2/100.

The peak-phase market in 49728 posted values that rose 4.2% over the year (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

The typical home is worth about $122,100 (2.0× income, relatively affordable). 81% of housing is owner-occupied. Vacancy runs 70.1%, above the national norm and a classic distress-and-opportunity signal. About 19% have a four-year degree. There are about 633 housing units across 49728. DLRadar's demographic-stress index for the area reads 28/100. Population is roughly 411 with a median age of 59. Median household income is $57,961, below the U.S. median near $78,000. Roughly 10.9% live below the poverty line. Rent burden reaches 14% of tenant households.

Net-net, 49728 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 49728 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 49728 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49728 can be compared directly against any other ZIP in Chippewa County, Michigan or nationwide. Sparse data for 49728 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 14/100 figure for 49728 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, 49728 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.