ZIP 51012 Foreclosure, Tax-Lien & Distress Report
Cherokee County, Iowa · High Poverty market
In Cherokee County, Iowa, ZIP 51012 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (58/100), structural risk (42/100), mortgage stress (21/100). mortgage stress (21/100) stay muted. The latent-versus-live split is 42/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100).
The peak-phase market in 51012 posted values that rose 2.5% over the year, and 23% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Roughly 22.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 6.9%. At $56,964, median income runs below typical U.S. levels. Around 44% of renters are cost-burdened. Educational attainment sits at 20% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 30/100. Population is roughly 6,313 with a median age of 43. Home values center near $151,400, an affordability ratio of 2.3× — accessible. 67% of housing is owner-occupied. The ZIP holds roughly 2,969 housing units.
On the whole, 51012 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 51012 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 51012's 19/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 51012, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 51012 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. For a buyer, 51012 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Distress signal breakdown — ZIP 51012
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 51012 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 51012, drawn from the same report attached to each property.
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Keep going: ZIP, county and state distress coverage for Cherokee County, Iowa.
The complete 51012 distress and acquisition report
See who owns each distressed property in 51012, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology