ZIP 49905 Foreclosure, Tax-Lien & Distress Report

ZIP 49905's composite property-distress score is 7/100 - DLRadar classes that as minimal for Houghton County, Michigan. On the structural side it scores 16/100, with 2/100 of stress already active. What sets it apart are the readings on construction/permit lag (25/100), structural risk (16/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 6% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $76,618 — near the roughly $78,000 national figure. The ZIP holds roughly 992 housing units. 2,138 residents call 49905 home, typically aged 34. Around 0% of renters are cost-burdened. About 44% have a four-year degree. On demographic stress specifically, 49905 scores 18/100. Home values center near $211,300, an affordability ratio of 2.2× — accessible. The vacancy rate is 20.7% — elevated. 7.1% of residents fall below the poverty threshold. 89% of housing is owner-occupied.

Net-net, 49905 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 49905 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 49905 read uses the identical public-record model applied coast to coast, which means its 7/100 score means exactly what it means anywhere else, and 49905 stays directly comparable to neighboring ZIPs and the rest of Houghton County, Michigan. Where the public record is thin for 49905, the field stays empty rather than modeled, and fills in as new documents post.

Behind 49905's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 49905 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.