ZIP 51246 Foreclosure, Tax-Lien & Distress Report

ZIP code 51246 in Lyon County, Iowa carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Structurally it carries 51/100, against 6/100 of stress already in motion. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100). Its standout signals are construction/permit lag (57/100), structural risk (51/100), institutional ownership (48/100). mortgage stress (18/100) stay muted.

Prices here sit in a peak phase: values rose 2.5% over the trailing year, and 16% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

4,075 residents call 51246 home, typically aged 39. There are about 1,555 housing units across 51246. Vacancy runs 13.1%, above the national norm and a classic distress-and-opportunity signal. Around 16% of renters are cost-burdened. The poverty rate is 4.2% — low. Educational attainment sits at 21% bachelor's-or-above. Home values center near $247,900, an affordability ratio of 3.4× — accessible. The demographic-stress sub-score lands at 25/100. Owners hold 80% of homes, renters 20%. At $69,320, median income runs near typical U.S. levels.

On the whole, 51246 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 51246 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 51246's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 51246 reflects the current record instead of a stale or modeled snapshot.

The 22/100 figure for 51246 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 51246 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.