ZIP 55012 Property Distress & Foreclosure Data

In Chisago County, Minnesota, ZIP 55012 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 39/100, with 1/100 of stress already active. Its standout signals are construction/permit lag (86/100), structural risk (39/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100).

The peak-phase market in 55012 posted values that rose 2.9% over the year, and 13% higher over three years (phase confidence 23/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 837 housing units. Around 31% of adults hold a bachelor's degree or higher. The poverty rate is 10.8%. Around 32% of renters are cost-burdened. The typical home is worth about $386,600 (3.9× income, relatively affordable). 90% of housing is owner-occupied. Population is roughly 1,995 with a median age of 49. The demographic-stress sub-score lands at 28/100. At $93,500, median income runs above typical U.S. levels. The vacancy rate is 10.8%.

Broadly, 55012 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.