ZIP 49766 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 49766 (Alpena County, Michigan) returns a low composite of 17/100. Structurally it carries 38/100, against 1/100 of stress already in motion. Climate and flood risk are elevated too — flood (NFIP) exposure (63/100). Its heaviest discrete signals: institutional ownership (46/100), structural risk (38/100), construction/permit lag (26/100). By contrast, construction/permit lag (26/100) and mortgage stress (4/100) register low.

The market reads peak — home values rose 4.2% year on year, and 17% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 2,498 with a median age of 52. Owners hold 91% of homes, renters 9%. On demographic stress specifically, 49766 scores 24/100. The vacancy rate is 19.7% — elevated. Home values center near $161,800, an affordability ratio of 2.7× — accessible. Median household income is $56,806, below the U.S. median near $78,000. Educational attainment sits at 17% bachelor's-or-above. There are about 1,285 housing units across 49766. The poverty rate is 9.4%. Around 16% of renters are cost-burdened.

Net-net, 49766 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 49766 runs through one identical scoring model, so its 17/100 sits on the same scale as every other ZIP in Alpena County, Michigan and the nation. Nothing here is interpolated — where a source is thin for 49766, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 49766'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. Practically, 49766 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.