ZIP 51366 Property Distress & Foreclosure Data

Clay County, Iowa's ZIP 51366 registers 21/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (97/100), FEMA disaster exposure (64/100). The latent-versus-live split is 46/100 structural and 7/100 already moving. The most distinctive pressure shows up in institutional ownership (57/100), structural risk (46/100), mortgage stress (22/100). By contrast, mortgage stress (22/100) register low.

The market reads peak — home values rose 4.0% year on year (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 123 housing units. Roughly 1.5% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $75,000 — near the roughly $78,000 national figure. On demographic stress specifically, 51366 scores 18/100. The vacancy rate is 13.2% — elevated. A median home runs $130,800 here, or 1.6 times local income. About 14% have a four-year degree. The tenure split is 86% owner-occupied to 14% rented. Around 8% of renters are cost-burdened. About 335 people live here, median age 46.

Net-net, 51366 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.