ZIP 49861 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 49861 (Baraga County, Michigan) at a minimal 8/100 for overall property distress. The pressure is most legible in construction/permit lag (44/100), structural risk (18/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (6/100) stay muted. The split runs 18/100 structural to 2/100 active on the ground.

The expansion-phase market in 49861 posted values that rose 5.3% over the year, and 43% higher over three years (phase confidence 31/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

534 residents call 49861 home, typically aged 62. There are about 640 housing units across 49861. Rent burden reaches 0% of tenant households. The poverty rate is 14.3%. The tenure split is 97% owner-occupied to 3% rented. Households earn a median $66,806 — below the roughly $78,000 national figure. The vacancy rate is 59.5% — elevated. Around 30% of adults hold a bachelor's degree or higher. The typical home is worth about $226,600 (3.4× income, relatively affordable). DLRadar's demographic-stress index for the area reads 27/100.

Net-net, 49861 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 49861 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 49861's 8/100 can be lined up against any neighbor in Baraga County, Michigan or any ZIP coast to coast. Where the public record is thin for 49861, the field stays empty rather than modeled, and fills in as new documents post.

49861's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 49861 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.