ZIP 49782 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49782 (Charlevoix County, Michigan) lands at 15/100 — low on DLRadar's public-record scoring. The most distinctive pressure shows up in construction/permit lag (45/100), structural risk (34/100), institutional ownership (33/100). On the quiet end sit institutional ownership (33/100) and mortgage stress (7/100). The split runs 34/100 structural to 2/100 active on the ground.

The expansion-phase market in 49782 posted values that rose 5.5% over the year, and 61% higher over three years, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 961 housing units. The demographic-stress sub-score lands at 33/100. A median home runs $360,800 here, or 4.6 times local income. About 49% have a four-year degree. The tenure split is 93% owner-occupied to 7% rented. At $70,000, median income runs near typical U.S. levels. Vacancy runs 59.8%, above the national norm and a classic distress-and-opportunity signal. Around 35% of renters are cost-burdened. Population is roughly 752 with a median age of 63. The poverty rate is 9.3%.

Net-net, 49782 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 49782 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 49782 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 49782, the field stays empty rather than modeled, and fills in as new documents post.

The 15/100 figure for 49782 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 an operator, 49782 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.