ZIP 49782 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49782 (Charlevoix County, Michigan) lands at 20/100 — low on DLRadar's distress scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (69/100). The most distinctive pressure shows up in institutional ownership (48/100), construction/permit lag (48/100), structural risk (45/100). On the quiet end sit mortgage stress (7/100). The split runs 45/100 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.

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 20/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 49782, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 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.