ZIP 49965 Foreclosure, Tax-Lien & Distress Report

ZIP code 49965 in Houghton County, Michigan carries a composite property-distress score of 7/100 — a minimal reading on DLRadar's deterministic public-record index. Structural risk reads 15/100 against active distress of 2/100. The sharpest non-environmental signals are construction/permit lag (26/100), structural risk (15/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100).

Prices here sit in a peak phase: values rose 4.4% over the trailing year (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $77,604, near the U.S. median near $78,000. Vacancy runs 58.6%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 49965 scores 24/100. Around 0% of renters are cost-burdened. The poverty rate is 8.3%. Educational attainment sits at 25% bachelor's-or-above. The ZIP holds roughly 586 housing units. About 482 people live here, median age 60. Home values center near $231,700, an affordability ratio of 2.9× — accessible. 94% of housing is owner-occupied.

Taken together, 49965 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 49965 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 49965 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 49965 can be compared directly against any other ZIP in Houghton County, Michigan or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 49965 shows blanks, not estimates, wherever the record is sparse.

Each component behind 49965 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 7/100 roll-up. The point of the 49965 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.