ZIP 49912 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 49912 (Ontonagon County, Michigan) returns a minimal composite of 8/100. The latent-versus-live split is 20/100 structural and 3/100 already moving. Its heaviest discrete signals: construction/permit lag (71/100), structural risk (20/100), mortgage stress (10/100). On the quiet end sit mortgage stress (10/100) and institutional ownership (6/100).

The expansion-phase market in 49912 posted values that rose 5.5% over the year, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The demographic-stress sub-score lands at 28/100. Around 33% of renters are cost-burdened. Owners hold 90% of homes, renters 10%. About 11% have a four-year degree. The vacancy rate is 47.7% — elevated. Population is roughly 851 with a median age of 61. Median household income is $53,667, below the U.S. median near $78,000. A median home runs $115,200 here, or 2.1 times local income. Roughly 9.6% live below the poverty line. The ZIP holds roughly 843 housing units.

Taken together, 49912 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 49912 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 49912 read uses the identical public-record model applied coast to coast, which means its 8/100 score means exactly what it means anywhere else, and 49912 stays directly comparable to neighboring ZIPs and the rest of Ontonagon County, Michigan. Every figure is auditable to a public dataset and refreshed on ingest; 49912 shows blanks, not estimates, wherever the record is sparse.

Each component behind 49912 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 8/100 roll-up. For an operator, 49912 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.