Clay County, MN: Foreclosures, Tax Liens & Distressed Properties

Clay County, Minnesota sits inside DLRadar's nationwide distress index, built entirely from public records. 17 ZIP codes are tracked county-wide, averaging 18/100 distress. Across its ZIPs, composite distress spans 9 to 20 out of 100. On bank and credit headwind, Clay County scores 71/100, a stressed reading.

Currently peak, Clay County saw prices rise 4.1% year over year (phase confidence 29/100). On a market plateau, broad sweeps stop paying so screen ZIP by ZIP.

At +4.1% YoY and 29/100 confidence, the discount lives in outliers well beyond the county average. An elevated 71/100 reading signals what's coming: short sales and foreclosures accelerate.

The most-distressed ZIP codes in Clay County are 56525 (20/100), 56529 (20/100), 56536 (20/100), 56546 (20/100), 56547 (20/100), 56549 (20/100), each with its own full DLRadar report. Further scored ZIPs: 56560, 56562, 56563, 56580, 56572, 56552, 56585, 56514, 56519, 56554.

Demographically, the Clay County ZIPs on file report home values averaging roughly $263,021, below the US, a median household income near $78,282 (near the US norm), 81% owner-occupancy, residents with a median age around 40.4, 14.8% of households below the poverty line, 10.6% of units sitting vacant. Numbers like these frame the depth of motivated supply and the pace of resale.

With a low 18/100 reading over 17 ZIPs, Clay County is a screen-by-ZIP market and not a county-wide play. Inside DLRadar, each Clay County property carries owner, address and APN, a distress score and bank-exposure read.

Whether Clay County, Minnesota carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Clay County can be compared directly against any county in the country.

In Clay County, Minnesota, the scores are a targeting tool first: they tell you which ZIPs hold the distress and which owners are most likely under real financial pressure, so limited acquisition effort lands where it converts. Nothing in the Clay County read is modelled: recorder and court filings drive foreclosure and lien signals, FHFA sets the price cycle, FDIC the lender stress, and a thin source stays blank.

At the ZIP level, the sharpest readings in Clay County are 56525 (20/100), 56529 (20/100), 56536 (20/100), 56546 (20/100), 56547 (20/100), 56549 (20/100). DLRadar also scores 56560, 56562, 56563, 56580, 56572, 56552, 56585, 56514 and more across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

DLRadar's composite for Clay County blends several independent signals — foreclosure and pre-foreclosure filings, mortgage stress, tax delinquency and liens, and the bank-stress headwind of the lenders operating locally — into one 0–100 score per ZIP, so a market can rank high on one axis and low on another.