ZIP 51245 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 51245 (O'Brien County, Iowa) lands at 26/100 — low on DLRadar's public-record scoring. Leading the profile are construction/permit lag (100/100), structural risk (61/100), institutional ownership (48/100). mortgage stress (19/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (95/100)). Structural exposure scores 61 and live distress 6 on the 0–100 scale.

The peak-phase market in 51245 posted values that rose 2.5% over the year (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $149,700 here, or 1.8 times local income. 15.6% of residents fall below the poverty threshold. There are about 530 housing units across 51245. Population is roughly 1,264 with a median age of 37. Median household income is $78,958, near the U.S. median near $78,000. Around 29% of adults hold a bachelor's degree or higher. Around 43% of renters are cost-burdened. Owners hold 87% of homes, renters 13%. On demographic stress specifically, 51245 scores 26/100. Vacancy runs 13.7%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 51245 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 51245 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 51245 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. The score is rebuilt from public data as it updates, so 51245 reflects the current record instead of a stale or modeled snapshot.

The 26/100 for 51245 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 51245 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.