ZIP 51047 Property Distress & Foreclosure Data

ZIP code 51047 in Clay County, Iowa carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (64/100), structural risk (56/100), institutional ownership (50/100). mortgage stress (20/100) stay muted. The latent-versus-live split is 56/100 structural and 6/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (72/100), FEMA disaster exposure (64/100).

Prices here sit in a peak phase: values rose 4.3% over the trailing year (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $93,125, above the U.S. median near $78,000. Educational attainment sits at 25% bachelor's-or-above. 4.4% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 17/100. The ZIP holds roughly 414 housing units. Home values center near $130,300, an affordability ratio of 1.4× — accessible. 739 residents call 51047 home, typically aged 48. Owners hold 90% of homes, renters 10%. Around 8% of renters are cost-burdened. The vacancy rate is 19.9% — elevated.

Taken together, 51047 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.