ZIP 51357 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 51357 (Clay County, Iowa) at a low 20/100 for overall property distress. What sets it apart are the readings on institutional ownership (59/100), structural risk (46/100), mortgage stress (22/100). On the quiet end sit mortgage stress (22/100). Latent structural risk is 46/100 while live distress already moving reads 7/100. Environmental exposure also runs high (flood (NFIP) exposure (99/100)).

Prices here sit in a peak phase: values rose 2.7% over the trailing year (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 2% of renters are cost-burdened. 841 residents call 51357 home, typically aged 34. 10.9% of residents fall below the poverty threshold. The typical home is worth about $118,500 (1.7× income, relatively affordable). Median household income is $72,344, near the U.S. median near $78,000. Educational attainment sits at 21% bachelor's-or-above. The ZIP holds roughly 351 housing units. The demographic-stress sub-score lands at 19/100. 75% of housing is owner-occupied. Vacancy runs 6.8%.

On balance 51357 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 51357's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 51357 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 51357's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 51357 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.