ZIP 51022 Foreclosure, Tax-Lien & Distress Report

ZIP code 51022 in O'Brien County, Iowa carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (97/100). The pressure is most legible in institutional ownership (48/100), structural risk (43/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (7/100) register low. Latent structural risk is 43/100 while live distress already moving reads 6/100.

Prices here sit in a peak phase: values rose 2.5% over the trailing year, and 51% higher over three years, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 966 with a median age of 52. A median home runs $174,800 here, or 1.9 times local income. 92% of housing is owner-occupied. Around 17% of adults hold a bachelor's degree or higher. There are about 397 housing units across 51022. Vacancy runs 3.4%. DLRadar's demographic-stress index for the area reads 19/100. Rent burden reaches 19% of tenant households. 3.7% of residents fall below the poverty threshold. Households earn a median $91,133 — above the roughly $78,000 national figure.

On balance, 51022 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 51022 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 51022 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 51022 stays directly comparable to neighboring ZIPs and the rest of O'Brien County, Iowa. Nothing here is interpolated — where a source is thin for 51022, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 51022 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. Treat 51022 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.