ZIP 49862 Foreclosure, Tax-Lien & Distress Report

ZIP code 49862 in Alger County, Michigan carries a composite property-distress score of 7/100 — a minimal reading on DLRadar's deterministic public-record index. The latent-versus-live split is 15/100 structural and 4/100 already moving. Property-level stress concentrates 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 market reads expansion — home values rose 5.5% year on year, and 33% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $169,400, an affordability ratio of 2.5× — accessible. 7.6% of residents fall below the poverty threshold. Rent burden reaches 11% of tenant households. Vacancy runs 32.2%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $59,575 — below the roughly $78,000 national figure. Around 20% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 24/100. The tenure split is 79% owner-occupied to 21% rented. Population is roughly 4,532 with a median age of 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. There is no property file for 49862 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 49862's 7/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 49862 reflects the current record instead of a stale or modeled snapshot.

Each component behind 49862 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 7/100 roll-up. For an operator, 49862 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.