ZIP 49862 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49862 (Alger County, Michigan) lands at 8/100 — minimal on DLRadar's public-record scoring. The latent-versus-live split is 19/100 structural and 4/100 already moving. The sharpest non-environmental signals are construction/permit lag (53/100), structural risk (19/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (14/100) register low.

The market reads expansion — home values rose 6.4% year on year, and 33% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $169,400 (2.5× income, relatively affordable). The poverty rate is 7.6%. Around 11% of renters are cost-burdened. The vacancy rate is 32.2% — elevated. At $59,575, median income runs below typical U.S. levels. Around 20% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 24/100. 79% of housing is owner-occupied. About 4,532 people live here, median age 47. The ZIP holds roughly 2,463 housing units.

Net-net, 49862 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.