ZIP 51047 Foreclosure, Tax-Lien & Distress Report
Clay County, Iowa · High Vacancy market
Composite property distress in 51047 (Clay County, Iowa) lands at 22/100 — low on DLRadar's public-record scoring. Property-level stress concentrates in institutional ownership (53/100), structural risk (50/100), construction/permit lag (42/100). By contrast, mortgage stress (20/100) register low. On the structural side it scores 50/100, with 6/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (72/100)).
The market reads peak — home values rose 2.7% year on year (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Households earn a median $93,125 — above the roughly $78,000 national figure. About 25% have a four-year degree. Roughly 4.4% live below the poverty line, a low share typical of higher-equity areas. DLRadar's demographic-stress index for the area reads 17/100. The ZIP holds roughly 414 housing units. The typical home is worth about $130,300 (1.4× income, relatively affordable). Population is roughly 739 with a median age of 48. 90% of housing is owner-occupied. Rent burden reaches 8% of tenant households. The vacancy rate is 19.9% — elevated.
Net-net, 51047 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 51047 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 51047 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Clay County, Iowa and the nation. Sparse data for 51047 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 22/100 for 51047 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 51047 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
What is driving ZIP 51047’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 51047 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 51047, the same set carried on every parcel.
Clay County ZIPs near 51047
Explore related distress reports
Further distress data across Clay County, Iowa at ZIP, county and state level.
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Deterministic scoring, sourced entirely from public data · methodology