ZIP 51245 Property Distress & Foreclosure Data

ZIP code 51245 in O'Brien County, Iowa carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (92/100), structural risk (60/100), institutional ownership (48/100). mortgage stress (19/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (95/100). The latent-versus-live split is 60/100 structural and 6/100 already moving.

Prices here sit in a expansion phase: values rose 5.4% over the trailing year (phase confidence 28/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $149,700, an affordability ratio of 1.8× — accessible. 15.6% of residents fall below the poverty threshold. The ZIP holds roughly 530 housing units. 1,264 residents call 51245 home, typically aged 37. Median household income is $78,958, near the U.S. median near $78,000. Educational attainment sits at 29% bachelor's-or-above. Around 43% of renters are cost-burdened. Owners hold 87% of homes, renters 13%. DLRadar's demographic-stress index for the area reads 26/100. The vacancy rate is 13.7% — elevated.

Taken together, 51245 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.