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

Every ZIP in Clay County, South Dakota carries a DLRadar distress score assembled from foreclosure, tax, mortgage and lender records. Coverage runs to 8 ZIPs across Clay County, a low 22/100 average. Across its ZIPs, composite distress spans 21 to 23 out of 100. County-level credit and bank headwind reads 39/100.

The peak-phase county posted home values that rose 1.7% over twelve months, a 20/100-confidence read. This late in the run, the average masks the outliers as the ZIP scores below show.

Near the cycle top at +1.7% YoY (20/100 confidence), selectivity rules — target the few ZIPs carrying distress. Mid-range bank stress at 39/100 points to a blend the ZIP scores sort out.

Distress concentrates in ZIP 57004 (23/100), ZIP 57037 (22/100), ZIP 57069 (22/100), ZIP 57073 (22/100), ZIP 57010 (21/100), ZIP 57014 (21/100) — drill into any for the parcel-level read. Coverage extends to 57031, 57072 among others.

Profile-wise, the ZIPs DLRadar tracks across Clay County come in at 7.2% of households below the poverty line, 75% of homes owner-occupied, home values averaging roughly $204,625, below the US, vacancy near 9.1%, a median age of 40.2, a median household income near $63,583 (below the US norm). Taken together, they shape who sells under pressure and how fast a deal moves.

Net of it all, 22/100 over 8 ZIPs means Clay County is a screen-by-ZIP market rather than a blanket buy. A DLRadar subscription opens every Clay County parcel: owner and contact detail, APN, a distress reading, the lender on title and exit timing.

The distress read for Clay County, South Dakota is refreshed as new public records post and uses the same methodology coast to coast, so Clay County stays directly comparable to any other market you track.

Treat Clay County, South Dakota as a ranked list, not a single market: the spread between its strongest and weakest ZIPs is where the acquisition margin actually sits. The Clay County read is rebuilt from public records as they post — no modeling fills the gaps — so what you see is what the documents support, refreshed on each ingest.

The ZIP breakdown for Clay County leads with 57004 (23/100), 57037 (22/100), 57069 (22/100), 57073 (22/100), 57010 (21/100), 57014 (21/100). DLRadar also scores 57031, 57072 across the county. Because each ZIP is graded on its own foreclosure, tax and lender record, the county's distress is best read code by code rather than as a single number.

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.