ZIP 51446 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 51446 (Shelby County, Iowa) at a minimal 12/100 for overall property distress. What sets it apart are the readings on institutional ownership (27/100), structural risk (26/100), construction/permit lag (25/100). On the quiet end sit construction/permit lag (25/100) and mortgage stress (12/100). Latent structural risk is 26/100 while live distress already moving reads 4/100.

The market reads peak — home values rose 2.5% year on year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 437 with a median age of 50. Owners hold 89% of homes, renters 11%. The ZIP holds roughly 244 housing units. About 29% have a four-year degree. The vacancy rate is 7.5%. The demographic-stress sub-score lands at 22/100. The typical home is worth about $91,400 (1.5× income, relatively affordable). Roughly 18.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $61,750 — below the roughly $78,000 national figure. Rent burden reaches 29% of tenant households.

Net-net, 51446 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 51446 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 51446 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 12/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 51446 shows blanks, not estimates, wherever the record is sparse.

51446's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 51446 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.