ZIP 51039 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 51039 (Woodbury County, Iowa) returns a moderate composite of 31/100. Latent structural risk is 71/100 while live distress already moving reads 5/100. Environmental exposure also runs high (flood (NFIP) exposure (94/100), climate & FEMA risk (84/100)). The sharpest non-environmental signals are construction/permit lag (73/100), structural risk (71/100), institutional ownership (48/100). mortgage stress (18/100) stay muted.

The market reads contraction — home values fell 1.3% year on year, 1.3% off the recent peak, and 15% higher over three years, at 35/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

The vacancy rate is 5.4%. 85% of housing is owner-occupied. A median home runs $268,200 here, or 2.1 times local income. There are about 1,194 housing units across 51039. Around 18% of renters are cost-burdened. At $105,994, median income runs above typical U.S. levels. Population is roughly 2,831 with a median age of 36. The poverty rate is 3.8% — low. The demographic-stress sub-score lands at 20/100. Around 28% of adults hold a bachelor's degree or higher.

Taken together, 51039 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 51039 runs through one identical public-record model, so its 31/100 sits on the same scale as every other ZIP in Woodbury County, Iowa and the nation. Sparse data for 51039 shows as blanks, never estimates, and the score updates on every fresh public filing.

51039'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. The point of the 51039 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.