ZIP 51338 Foreclosure, Tax-Lien & Distress Report
Clay County, Iowa · High Vacancy market
In Clay County, Iowa, ZIP 51338 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100). Leading the profile are structural risk (59/100), institutional ownership (57/100), construction/permit lag (56/100). By contrast, mortgage stress (23/100) register low. Structurally it carries 59/100, against 7/100 of stress already in motion.
Prices here sit in a peak phase: values rose 2.7% over the trailing year, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Home values center near $125,200, an affordability ratio of 2.1× — accessible. About 21% have a four-year degree. 912 residents call 51338 home, typically aged 45. There are about 496 housing units across 51338. Households earn a median $56,346 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 23/100. The vacancy rate is 13.7% — elevated. Around 23% of renters are cost-burdened. Owners hold 81% of homes, renters 19%. Roughly 7.3% live below the poverty line, a low share typical of higher-equity areas.
On the whole, 51338 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 51338's 25/100 can be lined up against any neighbor in Clay County, Iowa or any ZIP coast to coast. Sparse data for 51338 shows as blanks, never estimates, and the score updates on every fresh public filing.
51338's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 51338 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 51338’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 51338 distress snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
More ZIPs across Clay County
More distress data near 51338
Keep going: ZIP, county and state distress coverage for Clay County, Iowa.
Get the full acquisition report for 51338
The full 51338 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology