ZIP 51012 Property Distress & Foreclosure Data

DLRadar grades ZIP 51012 (Cherokee County, Iowa) at a low 19/100 for overall property distress. Property-level stress concentrates in institutional ownership (56/100), structural risk (43/100), mortgage stress (21/100). By contrast, mortgage stress (21/100) register low. On the structural side it scores 43/100, with 6/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (64/100).

The market reads expansion — home values rose 5.4% year on year, and 23% higher over three years (phase confidence 28/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Roughly 22.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 6.9%. Households earn a median $56,964 — below the roughly $78,000 national figure. Around 44% of renters are cost-burdened. About 20% have a four-year degree. On demographic stress specifically, 51012 scores 30/100. About 6,313 people live here, median age 43. A median home runs $151,400 here, or 2.3 times local income. The tenure split is 67% owner-occupied to 33% rented. The ZIP holds roughly 2,969 housing units.

Net-net, 51012 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.