ZIP 51249 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 51249 in Osceola County, Iowa comes in at 21, a low composite-distress reading. What sets it apart are the readings on construction/permit lag (67/100), institutional ownership (63/100), structural risk (48/100). mortgage stress (26/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (62/100). The latent-versus-live split is 48/100 structural and 8/100 already moving.

The market reads peak — home values rose 2.5% year on year, and 42% higher over three years (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Rent burden reaches 62% of tenant households. The poverty rate is 21.7% — high, a tax-stress and distress correlate. Vacancy runs 7.3%. On demographic stress specifically, 51249 scores 32/100. There are about 1,579 housing units across 51249. A median home runs $160,700 here, or 2.4 times local income. At $63,542, median income runs below typical U.S. levels. 3,588 residents call 51249 home, typically aged 42. About 19% have a four-year degree. 78% of housing is owner-occupied.

Net-net, 51249 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 51249 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 51249 runs through one identical scoring model, so its 21/100 sits on the same scale as every other ZIP in Osceola County, Iowa and the nation. Nothing here is interpolated — where a source is thin for 51249, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 51249 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. The point of the 51249 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.