ZIP 50278 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 50278 (Story County, Iowa) lands at 26/100 — low on DLRadar's public-record scoring. Structural exposure scores 58 and live distress 5 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (73/100), flood (NFIP) exposure (68/100). Property-level stress concentrates in structural risk (58/100), institutional ownership (52/100), construction/permit lag (41/100). By contrast, mortgage stress (16/100) register low.

The market reads neutral — home values rose 4.6% year on year, at 42/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

81% of housing is owner-occupied. The demographic-stress sub-score lands at 23/100. 819 residents call 50278 home, typically aged 37. Educational attainment sits at 33% bachelor's-or-above. Home values center near $193,000, an affordability ratio of 2.5× — accessible. 16.3% of residents fall below the poverty threshold. There are about 352 housing units across 50278. Households earn a median $67,344 — below the roughly $78,000 national figure. The vacancy rate is 4.6%. Rent burden reaches 14% of tenant households.

Overall, 50278 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 50278 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 50278 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. 50278 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

50278's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 50278 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.