ZIP 50401 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 50401 (Cerro Gordo County, Iowa) returns a low composite of 21/100. Environmental exposure also runs high (climate & FEMA risk (70/100)). Property-level stress concentrates in construction/permit lag (100/100), structural risk (47/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100). Structurally it carries 47/100, against 1/100 of stress already in motion.

The market reads peak — home values rose 2.7% year on year, and 14% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 9.8%. At $63,807, median income runs below typical U.S. levels. Owners hold 68% of homes, renters 32%. About 22% have a four-year degree. A median home runs $146,500 here, or 2.1 times local income. Around 28% of renters are cost-burdened. There are about 14,875 housing units across 50401. On demographic stress specifically, 50401 scores 25/100. Population is roughly 28,818 with a median age of 43. 10.0% of residents fall below the poverty threshold.

Overall, 50401 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 50401 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 50401 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 50401 stays directly comparable to neighboring ZIPs and the rest of Cerro Gordo County, Iowa. 50401 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 21/100 for 50401 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 50401 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.