ZIP 51040 Foreclosure, Tax-Lien & Distress Report

ZIP 51040's composite property-distress score is 27/100 - DLRadar classes that as low for Monona County, Iowa. The latent-versus-live split is 63/100 structural and 7/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100). The pressure is most legible in construction/permit lag (100/100), structural risk (63/100), institutional ownership (61/100). By contrast, mortgage stress (24/100) register low.

The market reads peak — home values rose 2.5% year on year, and 20% higher over three years, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 74% of homes, renters 26%. The ZIP holds roughly 1,731 housing units. Vacancy runs 9.5%. Educational attainment sits at 18% bachelor's-or-above. 3,388 residents call 51040 home, typically aged 38. Roughly 14.6% live below the poverty line. A median home runs $151,600 here, or 2.3 times local income. Median household income is $60,642, below the U.S. median near $78,000. Around 38% of renters are cost-burdened. The demographic-stress sub-score lands at 28/100.

Overall, 51040 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 51040 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 51040 runs through one identical public-record model, so its 27/100 sits on the same scale as every other ZIP in Monona County, Iowa and the nation. Nothing here is interpolated — where a source is thin for 51040, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

51040's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 51040 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.