ZIP 51033 Foreclosure, Tax-Lien & Distress Report

In Clay County, Iowa, ZIP 51033 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. What sets it apart are the readings on construction/permit lag (81/100), structural risk (56/100), institutional ownership (48/100). By contrast, mortgage stress (18/100) register low. The latent-versus-live split is 56/100 structural and 5/100 already moving.

The market reads peak — home values rose 2.7% year on year, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 396 with a median age of 46. Home values center near $181,800, an affordability ratio of 3.0× — accessible. Vacancy runs 7.0%. The tenure split is 87% owner-occupied to 13% rented. Educational attainment sits at 16% bachelor's-or-above. At $61,136, median income runs below typical U.S. levels. 5.3% of residents fall below the poverty threshold. The ZIP holds roughly 234 housing units. Around 0% of renters are cost-burdened. On demographic stress specifically, 51033 scores 21/100.

Net-net, 51033 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 51033 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 51033 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 51033, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 51033 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. The point of the 51033 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.