ZIP 49831 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49831 (Dickinson County, Michigan) lands at 19/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). On the structural side it scores 41/100, with 1/100 of stress already active. Its standout signals are construction/permit lag (70/100), structural risk (41/100), institutional ownership (12/100). On the quiet end sit institutional ownership (12/100) and mortgage stress (4/100).

The peak-phase market in 49831 posted values that rose 4.2% over the year, and 24% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 16% of adults hold a bachelor's degree or higher. On demographic stress specifically, 49831 scores 19/100. Owners hold 96% of homes, renters 4%. Home values center near $124,800, an affordability ratio of 1.7× — accessible. Median household income is $73,500, near the U.S. median near $78,000. 543 residents call 49831 home, typically aged 55. The poverty rate is 3.5% — low. Vacancy runs 47.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 0% of tenant households. There are about 455 housing units across 49831.

On the whole, 49831 leans distressed, with opportunity clustered in specific stressed parcels. 49831 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 49831 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 49831 stays directly comparable to neighboring ZIPs and the rest of Dickinson County, Michigan. Nothing here is interpolated — where a source is thin for 49831, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 49831's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 49831 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.