Clearwater County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clearwater County, MN distress report, 2026: 11 ZIPs scored in Clearwater, MN, Clearwater, MN average 11/100; the top Clearwater, MN ZIP is 56646 at 16/100; Clearwater, MN market phase peak, Clearwater, MN prices +3.4% year over year.
- Clearwater, MN ranks #2,055 nationally (opportunity index); Clearwater, MN #29 in Minnesota; Clearwater, MN index 27.5.
- Clearwater, MN: no CFPB county sample; Clearwater, MN non-metro area reading 1.0%.
- Clearwater, MN ZIP phases: 10 peak, 1 expansion.
- Clearwater, MN residential listings tracked: 2 across 6 ZIPs; Clearwater, MN candidate listings 1.
- Clearwater, MN lenders on watch: 2; largest Clearwater, MN footprint First Nb Of Bagley (1 branch).
- Clearwater, MN most distressed ZIP: 56646 at 16/100.
Clearwater, MN figures: DLRadar distress index; Clearwater, MN inputs: CFPB, FHFA, HUD, FDIC; Clearwater, MN rebuilt as sources refresh.
| Rank | Clearwater, MN ZIP | Score |
|---|---|---|
| 1 | 56646 | 16/100 |
| 2 | 56644 | 12/100 |
| 3 | 56678 | 12/100 |
| 4 | 56557 | 11/100 |
| 5 | 56621 | 11/100 |
| 6 | 56634 | 11/100 |
| 7 | 56671 | 10/100 |
| 8 | 56676 | 10/100 |
| 9 | 56470 | 9/100 |
| 10 | 56652 | 9/100 |
| 11 | 56589 | 7/100 |
Most distressed Clearwater, MN ZIPs (0-100, 2026)
Mortgage delinquency around Clearwater, MN
No CFPB county sample covers Clearwater, MN; the non-metro area reading for Clearwater, MN: 1.0% ninety-plus; Clearwater, MN area thirty-to-eighty-nine 2.2% (December 2025, Clearwater, MN); Minnesota overall 0.6%.
Opportunity index: Clearwater, MN
Clearwater, MN index 27.5, Clearwater, MN phase weak; Clearwater, MN primary driver vacancy, Clearwater, MN second driver construction. Clearwater, MN components: property stress 16.8, foreclosure pressure 17.3, listing discounts 6.5, bank stress 53.2, insurance 0.0; Clearwater, MN pulse 35.7; Clearwater, MN capital opportunity 15.3.
ZIP market phases inside Clearwater, MN
11 Clearwater, MN ZIPs carry a price-cycle phase; Clearwater, MN ZIPs by phase (Clearwater, MN), deepest drawdown first: peak, +3.2% YoY (Clearwater, MN): 56470, 56589; peak, +3.4% YoY (Clearwater, MN): 56557, 56621, 56634; peak, +3.6% YoY (Clearwater, MN): 56644; expansion, +6.9% YoY (Clearwater, MN): 56646; peak, +3.3% YoY (Clearwater, MN): 56652; peak, +3.1% YoY (Clearwater, MN): 56671, 56676; peak, +3.0% YoY (Clearwater, MN): 56678.
Residential listings by Clearwater, MN ZIP
Clearwater, MN ZIPs with the most tracked Clearwater, MN residential listings: 56644 1 listings, 0 candidates, bank pressure 58; 56652 1 listings, 1 candidates, bank pressure 59; 56621 0 listings, 0 candidates, bank pressure 59; 56634 0 listings, 0 candidates, bank pressure 59 (Clearwater, MN); 56671 0 listings, 0 candidates, bank pressure 59; 56676 0 listings, 0 candidates, bank pressure 59. Clearwater, MN totals: 2 listings; Clearwater, MN candidates 1; active ZIPs 1.
Lenders with branches in Clearwater, MN
Clearwater, MN lenders by branch count: First Nb Of Bagley (Clearwater, MN): stress 77, 1 branch low in Clearwater, MN; Northern Stb Of Gonvick (Clearwater, MN): stress 38, 1 branch low in Clearwater, MN.
Vacancy and permits, Clearwater, MN
1,129 of 4,468 Clearwater, MN housing units are vacant; Clearwater, MN permits, twelve months: 0 multifamily units in Clearwater, MN, 1 one-to-four unit units.
Work Clearwater, MN at the parcel level
Every Clearwater, MN parcel carries owner and address; every Clearwater, MN parcel carries APN; Clearwater, MN distress scores sit on the Clearwater, MN live board.
Clearwater, MN figures refresh with each source.
Clearwater, MN questions
Most distressed ZIP code in Clearwater County, MN?
ZIP 56646 leads Clearwater, MN at 16/100; next in Clearwater, MN: 56644 at 12/100; the Clearwater, MN average is 11/100.
Where does Clearwater County, MN rank for investment opportunity?
Clearwater, MN is #2,055 among all ranked counties, #29 in Minnesota; the Clearwater, MN driver is vacancy; Clearwater, MN moved down 1,103 places.
How many mortgages are delinquent in Clearwater County, MN?
Clearwater, MN takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Clearwater, MN.
Which banks lend in Clearwater County, MN?
2 watched lenders hold Clearwater, MN branches; the largest Clearwater, MN footprints are First Nb Of Bagley (1), Northern Stb Of Gonvick (1).
More on Clearwater, MN
Clearwater County, MN distress report: public-record figures for Clearwater, MN; not legal advice for Clearwater, MN; not tax or investment advice; verify every Clearwater, MN record before acting.