Mille Lacs County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mille Lacs County, MN distress report, 2026: 12 ZIPs scored in Mille Lacs, MN, Mille Lacs, MN average 12/100; the top Mille Lacs, MN ZIP is 56450 at 16/100; Mille Lacs, MN market phase peak, Mille Lacs, MN prices +2.4% year over year.
- Mille Lacs, MN ranks #2,173 nationally (opportunity index); Mille Lacs, MN #33 in Minnesota; Mille Lacs, MN index 27.1.
- Mille Lacs, MN: no CFPB county sample; Mille Lacs, MN metro area reading 0.5%.
- Mille Lacs, MN ZIP phases: 12 peak.
- Mille Lacs, MN residential listings tracked: 16 across 7 ZIPs; Mille Lacs, MN candidate listings 9.
- Mille Lacs, MN HUD assisted properties: 3 with 81 units.
- Mille Lacs, MN lenders on watch: 3; largest Mille Lacs, MN footprint Woodlands National Bank (2 branches).
- Mille Lacs, MN most distressed ZIP: 56450 at 16/100.
Mille Lacs, MN figures: DLRadar distress index; Mille Lacs, MN inputs: CFPB, FHFA, HUD, FDIC; Mille Lacs, MN rebuilt as sources refresh.
| Rank | Mille Lacs, MN ZIP | Score |
|---|---|---|
| 1 | 56450 | 16/100 |
| 2 | 56313 | 13/100 |
| 3 | 56359 | 13/100 |
| 4 | 56363 | 13/100 |
| 5 | 56386 | 13/100 |
| 6 | 56353 | 12/100 |
| 7 | 55051 | 11/100 |
| 8 | 56342 | 11/100 |
| 9 | 55371 | 10/100 |
| 10 | 56330 | 10/100 |
| 11 | 56358 | 10/100 |
| 12 | 56357 | 8/100 |
Most distressed Mille Lacs, MN ZIPs (0-100, 2026)
Mortgage delinquency around Mille Lacs, MN
No CFPB county sample covers Mille Lacs, MN; the metro area reading for Mille Lacs, MN (Minneapolis-St. Paul-Bloomington, MN-WI): 0.5% ninety-plus; Mille Lacs, MN area thirty-to-eighty-nine 1.4% (December 2025, Mille Lacs, MN); Minnesota overall 0.6%.
Opportunity index: Mille Lacs, MN
Mille Lacs, MN index 27.1, Mille Lacs, MN phase weak; Mille Lacs, MN primary driver vacancy, Mille Lacs, MN second driver bank institutional. Mille Lacs, MN components: property stress 13.1, foreclosure pressure 14.0, listing discounts 27.2, bank stress 60.9, insurance 0.0; Mille Lacs, MN pulse 31.0; Mille Lacs, MN capital opportunity 21.3.
ZIP market phases inside Mille Lacs, MN
12 Mille Lacs, MN ZIPs carry a price-cycle phase; Mille Lacs, MN ZIPs by phase (Mille Lacs, MN), deepest drawdown first: peak, +3.2% YoY (Mille Lacs, MN): 55051, 56358; peak, +2.4% YoY (Mille Lacs, MN): 55371, 56313, 56353, 56359, Mille Lacs, MN 56363, 56386; peak, +2.7% YoY (Mille Lacs, MN): 56330, 56450; peak, +3.1% YoY (Mille Lacs, MN): 56342, 56357.
Residential listings by Mille Lacs, MN ZIP
Mille Lacs, MN ZIPs with the most tracked Mille Lacs, MN residential listings: 55371 8 listings, 2 candidates, bank pressure 63; 56353 8 listings, 7 candidates, bank pressure 61; 56313 0 listings, 0 candidates, bank pressure 62; 56330 0 listings, 0 candidates, bank pressure 61 (Mille Lacs, MN); 56359 0 listings, 0 candidates, bank pressure 62; 56363 0 listings, 0 candidates, bank pressure 62; 56386 0 listings, 0 candidates, bank pressure 62. Mille Lacs, MN totals: 16 listings; Mille Lacs, MN candidates 9; active ZIPs 1.
HUD assisted housing in Mille Lacs, MN
3 assisted properties with 81 units sit in Mille Lacs, MN; largest Mille Lacs, MN properties: West Birch Estates (Princeton) 40 units; Oakwood Apartments -- (Onamia) (Onamia) 33 units, 33 assisted; Milaca Voa Living Center (Milaca) 8 units, 8 assisted in Mille Lacs, MN.
Lenders with branches in Mille Lacs, MN
Mille Lacs, MN lenders by branch count: Woodlands National Bank (Mille Lacs, MN): stress 80, 2 branches low in Mille Lacs, MN; First Nb Of Milaca (Mille Lacs, MN): stress 51, 2 branches low in Mille Lacs, MN; Sherburne State Bank (Mille Lacs, MN): stress 55, 1 branch low in Mille Lacs, MN.
Vacancy and permits, Mille Lacs, MN
2,397 of 13,069 Mille Lacs, MN housing units are vacant; Mille Lacs, MN permits, twelve months: 0 multifamily units in Mille Lacs, MN, 78 one-to-four unit units.
Work Mille Lacs, MN at the parcel level
Every Mille Lacs, MN parcel carries owner and address; every Mille Lacs, MN parcel carries APN; Mille Lacs, MN distress scores sit on the Mille Lacs, MN live board.
Mille Lacs, MN figures refresh with each source.
Mille Lacs, MN questions
Most distressed ZIP code in Mille Lacs County, MN?
ZIP 56450 leads Mille Lacs, MN at 16/100; next in Mille Lacs, MN: 56313 at 13/100; the Mille Lacs, MN average is 12/100.
Where does Mille Lacs County, MN rank for investment opportunity?
Mille Lacs, MN is #2,173 among all ranked counties, #33 in Minnesota; the Mille Lacs, MN driver is vacancy; Mille Lacs, MN moved down 96 places.
How many mortgages are delinquent in Mille Lacs County, MN?
Mille Lacs, MN takes the metro area reading of 0.5% for December 2025; no CFPB county sample covers Mille Lacs, MN.
Which banks lend in Mille Lacs County, MN?
3 watched lenders hold Mille Lacs, MN branches; the largest Mille Lacs, MN footprints are Woodlands National Bank (2), First Nb Of Milaca (2), Sherburne State Bank (1).
More on Mille Lacs, MN
Mille Lacs County, MN distress report: public-record figures for Mille Lacs, MN; not legal advice for Mille Lacs, MN; not tax or investment advice; verify every Mille Lacs, MN record before acting.