ZIP 49816 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 49816 in Alger County, Michigan comes in at 7, a minimal composite-distress reading. The pressure is most legible in construction/permit lag (37/100), institutional ownership (16/100), structural risk (15/100). By contrast, structural risk (15/100) and mortgage stress (14/100) register low. The split runs 15/100 structural to 4/100 active on the ground.

The market reads expansion — home values rose 5.5% year on year, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 720 with a median age of 55. Home values center near $170,700, an affordability ratio of 2.3× — accessible. On demographic stress specifically, 49816 scores 31/100. There are about 414 housing units across 49816. About 21% have a four-year degree. 6.4% of residents fall below the poverty threshold. Owners hold 95% of homes, renters 5%. At $74,583, median income runs near typical U.S. levels. Vacancy runs 26.1%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 75% of tenant households.

On the whole, 49816 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 49816 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 49816 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 7/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 49816 shows as blanks, never estimates, and the score updates on every fresh public filing.

49816's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 49816 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.