ZIP 49796 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 49796 in Charlevoix County, Michigan comes in at 20, a low composite-distress reading. Its heaviest discrete signals: institutional ownership (48/100), construction/permit lag (48/100), structural risk (45/100). By contrast, mortgage stress (7/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (69/100). Structurally it carries 45/100, against 2/100 of stress already in motion.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, at 32/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 304 housing units across 49796. Vacancy runs 42.5%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $84,667 — near the roughly $78,000 national figure. Educational attainment sits at 46% bachelor's-or-above. On demographic stress specifically, 49796 scores 22/100. A median home runs $282,300 here, or 3.2 times local income. 2.5% of residents fall below the poverty threshold. 78% of housing is owner-occupied. Around 0% of renters are cost-burdened. About 316 people live here, median age 50.

Taken together, 49796 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 49796 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. Every figure is auditable to a public dataset and refreshed as records update; 49796 shows blanks, not estimates, wherever the record is sparse.

49796's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 49796 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.