ZIP 49870 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 49870 in Dickinson County, Michigan comes in at 18, a low composite-distress reading. The latent-versus-live split is 40/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (61/100)). The sharpest non-environmental signals are construction/permit lag (85/100), structural risk (40/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

The peak-phase market in 49870 posted values that rose 4.2% over the year, and 11% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

75% of housing is owner-occupied. The vacancy rate is 8.7%. 3,479 residents call 49870 home, typically aged 45. Households earn a median $55,795 — below the roughly $78,000 national figure. A median home runs $121,100 here, or 1.8 times local income. DLRadar's demographic-stress index for the area reads 27/100. There are about 1,601 housing units across 49870. Rent burden reaches 48% of tenant households. The poverty rate is 12.8%. Around 22% of adults hold a bachelor's degree or higher.

Net-net, 49870 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 49870 at the moment; the composite and its components are still built from verifiable public records.

The 49870 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 49870 stays directly comparable to neighboring ZIPs and the rest of Dickinson County, Michigan. Every figure is auditable to a public dataset and refreshed on ingest; 49870 shows blanks, not estimates, wherever the record is sparse.

Each component behind 49870 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. In workflow terms, 49870 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.