ZIP 49864 Foreclosure, Tax-Lien & Distress Report
Delta County, Michigan · High Vacancy market
Composite property distress in 49864 (Delta County, Michigan) lands at 17/100 — low on DLRadar's public-record scoring. Its standout signals are construction/permit lag (48/100), structural risk (40/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (5/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (66/100)). On the structural side it scores 40/100, with 1/100 of stress already active.
The market reads peak — home values rose 4.2% year on year, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.
On demographic stress specifically, 49864 scores 35/100. 63% of housing is owner-occupied. A median home runs $275,000 here. Around 50% of adults hold a bachelor's degree or higher. Roughly 25.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 28 with a median age of 65. The ZIP holds roughly 43 housing units. The vacancy rate is 57.8% — elevated.
Taken together, 49864 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 49864 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 49864 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 49864 reflects the current record instead of a stale or modeled snapshot.
49864'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. The point of the 49864 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 49864
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
49864 at a glance
The live 49864 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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See every distressed parcel in 49864
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Rules-based scoring — each signal ties to a public dataset · methodology