ZIP 51046 Foreclosure, Tax-Lien & Distress Report

O'Brien County, Iowa's ZIP 51046 registers 26/100 composite distress, which DLRadar reads as low. The split runs 61/100 structural to 6/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (95/100)). Property-level stress concentrates in construction/permit lag (100/100), structural risk (61/100), institutional ownership (48/100). On the quiet end sit mortgage stress (19/100).

The peak-phase market in 51046 posted values that rose 2.5% over the year, and 25% higher over three years, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $160,300, an affordability ratio of 2.0× — accessible. On demographic stress specifically, 51046 scores 22/100. Population is roughly 1,407 with a median age of 51. Around 23% of renters are cost-burdened. Owners hold 79% of homes, renters 21%. The poverty rate is 6.1% — low. The vacancy rate is 15.9% — elevated. The ZIP holds roughly 763 housing units. Around 21% of adults hold a bachelor's degree or higher. Households earn a median $81,389 — near the roughly $78,000 national figure.

Net-net, 51046 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 51046's 26/100 can be lined up against any neighbor in O'Brien County, Iowa or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 51046 shows blanks, not estimates, wherever the record is sparse.

The 26/100 for 51046 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 51046 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.