ZIP Code Report · 2026-11-07
ZIP 48634 Foreclosure & Distressed-Property Data
Property-related court filings in ZIP 48634, Michigan, in Bay County. Foreclosure, probate, divorce, and partition cases. These are the early-stage filings that precede MLS listings by months or years.
From public court filings. As of November 2026.
- 100.0% Foreclosure, the dominant filing category in ZIP 48634.
Filing type breakdown
| Lead type | Share |
|---|---|
| Foreclosure | 100.0% |
Related areas
ZIP 48634 falls within Bay County, Michigan. Full county-level analysis: Bay County subscription page.
Nearby ZIPs in Michigan: 48640 · 48642 · 48625 · 48650 · 48706.
The foreclosure process
Before a lender can begin a foreclosure on a primary residence, federal servicing rules generally require the borrower to be more than 120 days delinquent (12 CFR 1024.41(f)). States then follow either a judicial process, where the lender sues in court, or a non-judicial (power of sale) process run by a trustee under the deed of trust. Judicial vs non-judicial foreclosure explains the difference.
Read more: Michigan foreclosure timeline and the foreclosure timeline by state.
Bay County at a glance (public statistics)
County seat: Bay City.
| Measure | Value | Source |
|---|---|---|
| Population | 103,235 | Census |
| Housing units | 48,620 | Census |
| Homes that are owner-occupied | 76% | Census |
| Median home value | $135K | Census |
| Housing units that are vacant (U.S.: 10%) | 8% | Census |
| Homes that are single-family detached (U.S.: 61%) | 76% | Census |
| Homes built before 1940 (U.S.: 12%) | 24% | Census |
| Residents aged 65 or older (U.S.: 17%) | 21% | Census |
| Owner-occupied homes with no mortgage (owned free and clear) (U.S.: 39%) | 48% | Census |
| Median age of residents (U.S.: 38.9) | 43.8 | Census |
| HUD Fair Market Rent, 2-bedroom, monthly (Bay City, MI) | $1,055 | HUD |
| HUD Fair Market Rent, 3-bedroom, monthly (Bay City, MI) | $1,429 | HUD |
| New housing units permitted in 2025 | 67 | Census |
| Change in units permitted, 2024 to 2025 | +91% | Census |
Sources: U.S. Census Bureau American Community Survey and Building Permits Survey; HUD Fair Market Rents.
Related guides
Frequently asked questions
What court filings does Keystone Court Data cover in ZIP code 48634?+
Keystone Court Data covers property-related court filings in ZIP code 48634, Michigan (Bay County), including: Foreclosure. New filings are added as they are recorded.
What types of court cases are most common in ZIP 48634?+
In ZIP 48634, the filing breakdown is: Foreclosure (100.0%).
New court records for ZIP 48634
Subscribe to Bay County on Keystone Court Data to receive new property-related Michigan court filings, including filings in ZIP 48634. Delivered the same day they're filed. 7-day free trial.
View Bay County availabilityCite: Keystone Court Data, "ZIP 48634 Foreclosure & Distressed-Property Data," 2026-11-07, https://keystonecourtdata.com/reports/48634-foreclosure-data