ZIP 51038 Foreclosure, Tax-Lien & Distress Report

ZIP 51038's composite property-distress score is 26/100 - DLRadar classes that as low for Plymouth County, Iowa. The pressure is most legible in construction/permit lag (76/100), structural risk (61/100), institutional ownership (43/100). By contrast, mortgage stress (18/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (84/100). The latent-versus-live split is 61/100 structural and 5/100 already moving.

The market reads peak — home values rose 2.7% year on year, and 31% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 653 housing units. Population is roughly 1,512 with a median age of 43. Households earn a median $88,864 — above the roughly $78,000 national figure. Around 12% of renters are cost-burdened. Around 20% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 20/100. The poverty rate is 3.5% — low. The vacancy rate is 15.3% — elevated. 85% of housing is owner-occupied. Home values center near $183,100, an affordability ratio of 2.0× — accessible.

Taken together, 51038 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 51038 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 51038 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 51038 stays directly comparable to neighboring ZIPs and the rest of Plymouth County, Iowa. The score is rebuilt from public data as it updates, so 51038 reflects the current record instead of a stale or modeled snapshot.

51038's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 51038 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.