ZIP 51531 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 51531 (Shelby County, Iowa) at a minimal 12/100 for overall property distress. Structural risk reads 25/100 against active distress of 4/100. Its heaviest discrete signals: institutional ownership (27/100), structural risk (25/100), construction/permit lag (23/100). By contrast, construction/permit lag (23/100) and mortgage stress (12/100) register low.

The peak-phase market in 51531 posted values that rose 2.5% over the year (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

The typical home is worth about $131,500 (2.3× income, relatively affordable). There are about 461 housing units across 51531. At $58,929, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 26/100. Roughly 9.5% live below the poverty line. Vacancy runs 8.3%. Around 25% of adults hold a bachelor's degree or higher. Owners hold 79% of homes, renters 21%. Rent burden reaches 42% of tenant households. Population is roughly 943 with a median age of 43.

On balance 51531 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.

Big metro or rural, 51531 runs through one identical public-record model, so its 12/100 sits on the same scale as every other ZIP in Shelby County, Iowa and the nation. Where the public record is thin for 51531, the field stays empty rather than modeled, and fills in as new documents post.

51531's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 51531 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.