ZIP 51240 Foreclosure, Tax-Lien & Distress Report

ZIP code 51240 in Lyon County, Iowa carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 43 and live distress 5 on the 0–100 scale. What sets it apart are the readings on institutional ownership (48/100), structural risk (43/100), mortgage stress (18/100). mortgage stress (18/100) and construction/permit lag (18/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100).

Prices here sit in a peak phase: values rose 2.5% over the trailing year, and 46% higher over three years (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 1,842 with a median age of 35. There are about 673 housing units across 51240. Vacancy runs 6.3%. The tenure split is 87% owner-occupied to 13% rented. Around 18% of adults hold a bachelor's degree or higher. Median household income is $80,948, near the U.S. median near $78,000. Rent burden reaches 35% of tenant households. On demographic stress specifically, 51240 scores 24/100. Home values center near $232,600, an affordability ratio of 2.4× — accessible. The poverty rate is 3.3% — low.

On balance, 51240 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 51240 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 51240 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Lyon County, Iowa and the nation. Nothing here is interpolated — where a source is thin for 51240, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

51240's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 51240 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.