ZIP 49795 Foreclosure, Tax-Lien & Distress Report

ZIP code 49795 in Otsego County, Michigan carries a composite property-distress score of 10/100 — a minimal reading on DLRadar's deterministic public-record index. The sharpest non-environmental signals are construction/permit lag (46/100), structural risk (22/100), institutional ownership (8/100). On the quiet end sit institutional ownership (8/100) and mortgage stress (6/100). On the structural side it scores 22/100, with 2/100 of stress already active.

The expansion-phase market in 49795 posted values that rose 5.5% over the year, and 23% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 78% of homes, renters 22%. Median household income is $57,367, below the U.S. median near $78,000. About 1,918 people live here, median age 44. On demographic stress specifically, 49795 scores 35/100. The vacancy rate is 31.6% — elevated. 20.2% of residents fall below the poverty threshold. There are about 1,151 housing units across 49795. Around 13% of adults hold a bachelor's degree or higher. A median home runs $166,500 here, or 2.8 times local income. Rent burden reaches 55% of tenant households.

Taken together, 49795 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 49795 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 49795 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 10/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 49795 shows blanks, not estimates, wherever the record is sparse.

Each component behind 49795 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 10/100 roll-up. Treat 49795 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.