ZIP 49738 Foreclosure, Tax-Lien & Distress Report

In Crawford County, Michigan, ZIP 49738 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. The most distinctive pressure shows up in construction/permit lag (83/100), structural risk (51/100), institutional ownership (47/100). mortgage stress (9/100) stay muted. Structural risk reads 51/100 against active distress of 3/100. Climate and flood risk are elevated too — flood (NFIP) exposure (69/100).

The expansion-phase market in 49738 posted values that rose 5.4% over the year, and 32% higher over three years, at 31/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 39.9% — elevated. The ZIP holds roughly 7,271 housing units. Roughly 13.9% live below the poverty line. Around 34% of renters are cost-burdened. Educational attainment sits at 21% bachelor's-or-above. 9,599 residents call 49738 home, typically aged 51. Households earn a median $57,573 — below the roughly $78,000 national figure. On demographic stress specifically, 49738 scores 30/100. A median home runs $168,800 here, or 2.7 times local income. The tenure split is 79% owner-occupied to 21% rented.

Taken together, 49738 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 49738 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 49738, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 49738 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. For a buyer, 49738 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.