ZIP 49961 Foreclosure, Tax-Lien & Distress Report

ZIP code 49961 in Houghton County, Michigan carries a composite property-distress score of 7/100 — a minimal reading on DLRadar's deterministic distress index. Structural risk reads 14/100 against active distress of 2/100. Its standout signals are construction/permit lag (19/100), structural risk (14/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100).

The market reads peak — home values rose 4.2% year on year (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $86,200, an affordability ratio of 1.5× — accessible. On demographic stress specifically, 49961 scores 40/100. 137 residents call 49961 home, typically aged 60. Vacancy runs 74.4%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 18% bachelor's-or-above. There are about 173 housing units across 49961. The poverty rate is 23.0% — high, a tax-stress and distress correlate. Households earn a median $57,500 — below the roughly $78,000 national figure. The tenure split is 100% owner-occupied to 0% rented.

Net-net, 49961 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 49961 at the moment; the composite and its components are still built from verifiable records.

Whether 49961 runs hot or quiet, its 7/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49961 can be compared directly against any other ZIP in Houghton County, Michigan or nationwide. Nothing here is interpolated — where a source is thin for 49961, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 49961 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 7/100 roll-up. Practically, 49961 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.