ZIP 49769 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 49769 (Emmet County, Michigan) returns a low composite of 18/100. The split runs 39/100 structural to 2/100 active on the ground. Its heaviest discrete signals: construction/permit lag (54/100), structural risk (39/100), institutional ownership (30/100). By contrast, institutional ownership (30/100) and mortgage stress (7/100) register low.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 30% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $64,792, median income runs below typical U.S. levels. The poverty rate is 9.4%. Vacancy runs 28.7%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 24% bachelor's-or-above. On demographic stress specifically, 49769 scores 28/100. Population is roughly 1,791 with a median age of 32. Rent burden reaches 40% of tenant households. The ZIP holds roughly 915 housing units. A median home runs $160,000 here, or 2.4 times local income. 78% of housing is owner-occupied.

Taken together, 49769 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 49769 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 49769 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 49769, the field stays empty rather than modeled, and fills in as new documents post.

The 18/100 figure for 49769 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 49769 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.