ZIP 51009 Foreclosure, Tax-Lien & Distress Report

ZIP code 51009 in O'Brien County, Iowa carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. Its heaviest discrete signals: construction/permit lag (100/100), structural risk (57/100), institutional ownership (41/100). By contrast, mortgage stress (19/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (73/100). Structural exposure scores 57 and live distress 6 on the 0–100 scale.

The peak-phase market in 51009 posted values that rose 2.5% over the year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $53,125 — below the roughly $78,000 national figure. There are about 57 housing units across 51009. Owners hold 84% of homes, renters 16%. Educational attainment sits at 17% bachelor's-or-above. 25.2% of residents fall below the poverty threshold. On demographic stress specifically, 51009 scores 23/100. Population is roughly 131 with a median age of 33. A median home runs $83,300 here, or 1.2 times local income. Around 25% of renters are cost-burdened. The vacancy rate is 5.2%.

On the whole, 51009 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 51009 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 51009 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 51009, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 24/100 for 51009 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, 51009 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.