ZIP 49744 Foreclosure, Tax-Lien & Distress Report

ZIP code 49744 in Alpena County, Michigan carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic distress index. Environmental exposure also runs high (flood (NFIP) exposure (63/100)). Its heaviest discrete signals: institutional ownership (46/100), structural risk (38/100), construction/permit lag (26/100). On the quiet end sit construction/permit lag (26/100) and mortgage stress (4/100). Structural risk reads 38/100 against active distress of 1/100.

The peak-phase market in 49744 posted values that rose 4.2% over the year (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $194,400 here, or 2.8 times local income. Median household income is $74,000, near the U.S. median near $78,000. The tenure split is 88% owner-occupied to 12% rented. The vacancy rate is 22.2% — elevated. The ZIP holds roughly 397 housing units. Rent burden reaches 17% of tenant households. Around 15% of adults hold a bachelor's degree or higher. The poverty rate is 14.2%. About 843 people live here, median age 37. The demographic-stress sub-score lands at 26/100.

Net-net, 49744 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 49744 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 49744's 17/100 can be lined up against any neighbor in Alpena County, Michigan or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 49744 reflects the current record instead of a stale or modeled snapshot.

49744's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 49744 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.