ZIP 55005 Foreclosure, Tax-Lien & Distress Report

ZIP code 55005 in Anoka County, Minnesota carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic distress index. What sets it apart are the readings on construction/permit lag (77/100), structural risk (47/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). It additionally carries heavy environmental risk: climate & FEMA risk (90/100). The latent-versus-live split is 47/100 structural and 1/100 already moving.

The market reads peak — home values rose 2.4% year on year, and 9% higher over three years (phase confidence 16/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 89% of homes, renters 11%. Around 5% of renters are cost-burdened. Vacancy runs 4.8%. About 15% have a four-year degree. Roughly 2.1% live below the poverty line, a low share typical of higher-equity areas. About 4,756 people live here, median age 37. The ZIP holds roughly 1,700 housing units. The demographic-stress sub-score lands at 21/100. At $109,464, median income runs above typical U.S. levels. Home values center near $340,600, an affordability ratio of 3.0× — accessible.

Overall 55005 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 55005 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 55005 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. 55005 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 21/100 figure for 55005 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 55005 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.