ZIP 49791 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 49791 (Cheboygan County, Michigan) returns a low composite of 23/100. The latent-versus-live split is 53/100 structural and 3/100 already moving. The pressure is most legible in structural risk (53/100), construction/permit lag (47/100), institutional ownership (44/100). On the quiet end sit mortgage stress (9/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100).

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 32/100. 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 to public records.

The 49791 read uses the identical public-record model applied coast to coast, which means its 23/100 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 on ingest; 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 23/100 roll-up. For an operator, 49791 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.