ZIP 49791 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 49791 (Cheboygan County, Michigan) returns a low composite of 26/100. The latent-versus-live split is 59/100 structural and 3/100 already moving. The pressure is most legible in structural risk (59/100), institutional ownership (53/100), construction/permit lag (50/100). On the quiet end sit mortgage stress (9/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (92/100), FEMA disaster exposure (60/100).

The market reads expansion — home values rose 5.5% year on year, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 72.2% — elevated. 2.0% of residents fall below the poverty threshold. Home values center near $213,900, an affordability ratio of 3.5× — accessible. The demographic-stress sub-score lands at 42/100. About 17% have a four-year degree. The ZIP holds roughly 265 housing units. Households earn a median $64,750 — below the roughly $78,000 national figure. Owners hold 96% of homes, renters 4%. Population is roughly 148 with a median age of 68.

On the whole, 49791 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 49791 is not published yet -- the ZIP-level readings above remain fully sourced.

The 49791 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 49791 stays directly comparable to neighboring ZIPs and the rest of Cheboygan County, Michigan. Every figure is auditable to a public dataset and refreshed as records update; 49791 shows blanks, not estimates, wherever the record is sparse.

Each component behind 49791 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. For an operator, 49791 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.