ZIP 49749 Foreclosure, Tax-Lien & Distress Report

Cheboygan County, Michigan's ZIP 49749 registers 26/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (92/100), FEMA disaster exposure (60/100). Structural risk reads 59/100 against active distress of 3/100. What sets it apart are the readings on structural risk (59/100), institutional ownership (53/100), construction/permit lag (50/100). mortgage stress (9/100) stay muted.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 46% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $66,604, below the U.S. median near $78,000. About 33% have a four-year degree. The vacancy rate is 43.8% — elevated. 4,860 residents call 49749 home, typically aged 57. Around 67% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 35/100. 14.0% of residents fall below the poverty threshold. 86% of housing is owner-occupied. The ZIP holds roughly 3,860 housing units. Home values center near $244,300, an affordability ratio of 3.0× — accessible.

On the whole, 49749 leans distressed, with opportunity clustered in specific stressed parcels. While 49749 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 49749's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 49749 reflects the current record instead of a stale or modeled snapshot.

Behind 49749'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. For a buyer, 49749 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.