ZIP 51231 Property Distress & Foreclosure Data

ZIP code 51231 in O'Brien County, Iowa carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100). What sets it apart are the readings on construction/permit lag (92/100), structural risk (60/100), institutional ownership (48/100). By contrast, mortgage stress (19/100) register low. Structural exposure scores 60 and live distress 6 on the 0–100 scale.

The market reads expansion — home values rose 5.4% year on year, at 28/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 93% owner-occupied to 7% rented. About 35% have a four-year degree. A median home runs $189,500 here, or 1.7 times local income. Vacancy runs 1.3%. About 543 people live here, median age 16. Roughly 28.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 143 housing units across 51231. Rent burden reaches 0% of tenant households. Households earn a median $105,388 — above the roughly $78,000 national figure. On demographic stress specifically, 51231 scores 20/100.

Net-net, 51231 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.