ZIP 49802 Foreclosure, Tax-Lien & Distress Report

Dickinson County, Michigan's ZIP 49802 registers 18/100 composite distress, which DLRadar reads as low. Leading the profile are construction/permit lag (85/100), structural risk (40/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (61/100). Latent structural risk is 40/100 while live distress already moving reads 1/100.

The peak-phase market in 49802 posted values that rose 4.2% over the year, and 35% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 77% of homes, renters 23%. Vacancy runs 4.5%. The poverty rate is 8.9%. Around 38% of renters are cost-burdened. The demographic-stress sub-score lands at 23/100. Educational attainment sits at 26% bachelor's-or-above. About 6,014 people live here, median age 42. Home values center near $126,500, an affordability ratio of 1.8× — accessible. Households earn a median $61,067 — below the roughly $78,000 national figure. There are about 2,801 housing units across 49802.

Overall, 49802 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 49802 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 49802 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49802 can be compared directly against any other ZIP in Dickinson County, Michigan or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 49802 shows blanks, not estimates, wherever the record is sparse.

Each component behind 49802 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. The point of the 49802 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.