ZIP 51338 Property Distress & Foreclosure Data

Composite property distress in 51338 (Clay County, Iowa) lands at 24/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100), FEMA disaster exposure (62/100). The sharpest non-environmental signals are institutional ownership (55/100), structural risk (54/100), construction/permit lag (34/100). construction/permit lag (34/100) and mortgage stress (23/100) stay muted. Structural exposure scores 54 and live distress 7 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.0% over the trailing year, at 23/100 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. Educational attainment sits at 21% bachelor's-or-above. 912 residents call 51338 home, typically aged 45. There are about 496 housing units across 51338. Median household income is $56,346, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 23/100. Vacancy runs 13.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 23% of tenant households. Owners hold 81% of homes, renters 19%. 7.3% of residents fall below the poverty threshold.

Taken together, 51338 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.