ZIP 51365 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 51365 in Emmet County, Iowa comes in at 19, a low composite-distress reading. It additionally carries heavy environmental risk: flood (NFIP) exposure (87/100). The most distinctive pressure shows up in institutional ownership (46/100), structural risk (42/100), mortgage stress (18/100). mortgage stress (18/100) and construction/permit lag (6/100) stay muted. Structural risk reads 42/100 against active distress of 6/100.

The market reads peak — home values rose 2.5% year on year, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 3.5%. The tenure split is 89% owner-occupied to 11% rented. At $81,071, median income runs near typical U.S. levels. Roughly 8.7% live below the poverty line. A median home runs $129,300 here, or 1.4 times local income. On demographic stress specifically, 51365 scores 16/100. About 475 people live here, median age 43. The ZIP holds roughly 163 housing units. About 22% have a four-year degree. Around 0% of renters are cost-burdened.

On balance, 51365 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 51365 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 51365's 19/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 51365 shows as blanks, never estimates, and the score updates on every fresh public filing.

51365's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 51365 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.