ZIP 51301 Foreclosure, Tax-Lien & Distress Report

In Clay County, Iowa, ZIP 51301 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (99/100). The sharpest non-environmental signals are institutional ownership (59/100), structural risk (46/100), mortgage stress (22/100). mortgage stress (22/100) stay muted. On the structural side it scores 46/100, with 7/100 of stress already active.

Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 8% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 12,402 with a median age of 42. 13.0% of residents fall below the poverty threshold. There are about 6,185 housing units across 51301. 69% of housing is owner-occupied. The vacancy rate is 8.9%. Around 29% of renters are cost-burdened. Educational attainment sits at 28% bachelor's-or-above. On demographic stress specifically, 51301 scores 27/100. The typical home is worth about $188,300 (3.0× income, relatively affordable). Median household income is $61,175, below the U.S. median near $78,000.

Net-net, 51301 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 51301 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 51301's 20/100 can be lined up against any neighbor in Clay County, Iowa or any ZIP coast to coast. Sparse data for 51301 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 51301 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Practically, 51301 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.