ZIP Code Report · 2026-11-11
ZIP 49795 Foreclosure & Distressed-Property Data
Property-related court filings in ZIP 49795, Michigan, in Otsego 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 49795.
Filing type breakdown
| Lead type | Share |
|---|---|
| Foreclosure | 100.0% |
Related areas
ZIP 49795 falls within Otsego County, Michigan. Full county-level analysis: Otsego County subscription page.
Nearby ZIPs in Michigan: 49783 · 49756 · 49738 · 49735 · 49727.
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.
Otsego County at a glance (public statistics)
County seat: Gaylord.
| Measure | Value | Source |
|---|---|---|
| Population | 25,352 | Census |
| Housing units | 14,893 | Census |
| Homes that are owner-occupied | 78% | Census |
| Median home value | $196K | Census |
| Housing units that are vacant (U.S.: 10%) | 26% | Census |
| Homes that are single-family detached (U.S.: 61%) | 80% | Census |
| Homes built before 1940 (U.S.: 12%) | 4% | Census |
| Residents aged 65 or older (U.S.: 17%) | 22% | Census |
| Owner-occupied homes with no mortgage (owned free and clear) (U.S.: 39%) | 37% | Census |
| Median age of residents (U.S.: 38.9) | 44.5 | Census |
| HUD Fair Market Rent, 2-bedroom, monthly (Otsego County, MI) | $1,192 | HUD |
| HUD Fair Market Rent, 3-bedroom, monthly (Otsego County, MI) | $1,511 | HUD |
| New housing units permitted in 2025 | 25 | Census |
| Change in units permitted, 2024 to 2025 | +4% | 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 49795?+
Keystone Court Data covers property-related court filings in ZIP code 49795, Michigan (Otsego County), including: Foreclosure. New filings are added as they are recorded.
What types of court cases are most common in ZIP 49795?+
In ZIP 49795, the filing breakdown is: Foreclosure (100.0%).
New court records for ZIP 49795
Subscribe to Otsego County on Keystone Court Data to receive new property-related Michigan court filings, including filings in ZIP 49795. Delivered the same day they're filed. 7-day free trial.
View Otsego County availabilityCite: Keystone Court Data, "ZIP 49795 Foreclosure & Distressed-Property Data," 2026-11-11, https://keystonecourtdata.com/reports/49795-foreclosure-data