ZIP 51345 Foreclosure, Tax-Lien & Distress Report
Osceola County, Iowa · Affordable market
DLRadar grades ZIP 51345 (Osceola County, Iowa) at a low 23/100 for overall property distress. The latent-versus-live split is 55/100 structural and 8/100 already moving. What sets it apart are the readings on construction/permit lag (79/100), institutional ownership (69/100), structural risk (55/100). By contrast, mortgage stress (27/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100).
Prices here sit in a peak phase: values rose 2.5% over the trailing year (phase confidence 28/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
41% of housing is owner-occupied. The typical home is worth about $141,700 (2.5× income, relatively affordable). DLRadar's demographic-stress index for the area reads 24/100. Around 16% of adults hold a bachelor's degree or higher. The ZIP holds roughly 213 housing units. The vacancy rate is 11.5% — elevated. Around 2% of renters are cost-burdened. At $51,938, median income runs below typical U.S. levels. 313 residents call 51345 home, typically aged 59. The poverty rate is 2.2% — low.
Net-net, 51345 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 51345 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
The number is not local guesswork: 51345's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 51345 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 51345 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. In workflow terms, 51345 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 51345’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 51345 Stress Report snapshot
The live 51345 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Osceola County ZIP codes
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See every distressed parcel in 51345
See who owns each distressed property in 51345, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic scoring, sourced entirely from public data · methodology