ZIP 51366 Foreclosure, Tax-Lien & Distress Report

ZIP code 51366 in Clay County, Iowa carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (97/100). Latent structural risk is 45/100 while live distress already moving reads 7/100. Property-level stress concentrates in institutional ownership (59/100), structural risk (45/100), mortgage stress (22/100). By contrast, mortgage stress (22/100) register low.

The market reads peak — home values rose 2.7% year on year (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 123 housing units. 1.5% of residents fall below the poverty threshold. Households earn a median $75,000 — near the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 18/100. The vacancy rate is 13.2% — elevated. The typical home is worth about $130,800 (1.6× income, relatively affordable). Educational attainment sits at 14% bachelor's-or-above. 86% of housing is owner-occupied. Rent burden reaches 8% of tenant households. Population is roughly 335 with a median age of 46.

On the whole, 51366 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 51366 at the moment; the composite and its components are still built from verifiable public records.

Whether 51366 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 51366 can be compared directly against any other ZIP in Clay County, Iowa or nationwide. Where the public record is thin for 51366, the field stays empty rather than modeled, and fills in as new documents post.

51366'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 51366 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.