ZIP 51231 Foreclosure, Tax-Lien & Distress Report

O'Brien County, Iowa's ZIP 51231 registers 26/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (flood (NFIP) exposure (95/100)). What sets it apart are the readings on construction/permit lag (100/100), structural risk (61/100), institutional ownership (48/100). On the quiet end sit mortgage stress (19/100). The latent-versus-live split is 61/100 structural and 6/100 already moving.

Prices here sit in a peak phase: values rose 2.5% over the trailing year, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 93% owner-occupied to 7% rented. About 35% have a four-year degree. Home values center near $189,500, an affordability ratio of 1.7× — accessible. The vacancy rate is 1.3%. About 543 people live here, median age 16. The poverty rate is 28.0% — high, a tax-stress and distress correlate. There are about 143 housing units across 51231. Around 0% of renters are cost-burdened. Median household income is $105,388, above the U.S. median near $78,000. On demographic stress specifically, 51231 scores 20/100.

Taken together, 51231 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 51231 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 51231 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 51231 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 51231's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 51231 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.