ZIP 49735 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49735 (Otsego County, Michigan) lands at 8/100 — minimal on DLRadar's public-record scoring. Its standout signals are construction/permit lag (46/100), structural risk (19/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. On the structural side it scores 19/100, with 2/100 of stress already active.

The expansion-phase market in 49735 posted values that rose 5.5% over the year, and 23% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

20,678 residents call 49735 home, typically aged 45. The tenure split is 76% owner-occupied to 24% rented. The poverty rate is 9.0%. Around 28% of adults hold a bachelor's degree or higher. A median home runs $227,200 here, or 2.9 times local income. Median household income is $69,050, near the U.S. median near $78,000. Vacancy runs 21.5%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 28/100. There are about 11,509 housing units across 49735. Rent burden reaches 37% of tenant households.

Taken together, 49735 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 49735 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 49735 runs hot or quiet, its 8/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49735 can be compared directly against any other ZIP in Otsego County, Michigan or nationwide. Where the public record is thin for 49735, the field stays empty rather than modeled, and fills in as new documents post.

Behind 49735'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. In workflow terms, 49735 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.