ZIP 55012 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 55012 in Chisago County, Minnesota comes in at 17, a low composite-distress reading. The latent-versus-live split is 39/100 structural and 1/100 already moving. The sharpest non-environmental signals are construction/permit lag (89/100), structural risk (39/100), institutional ownership (3/100). institutional ownership (3/100) and mortgage stress (2/100) stay muted.

Prices here sit in a peak phase: values rose 2.4% over the trailing year, and 13% higher over three years (phase confidence 16/100). 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. 10.8% of residents fall below the poverty threshold. Rent burden reaches 32% of tenant households. A median home runs $386,600 here, or 3.9 times local income. The tenure split is 90% owner-occupied to 10% rented. 1,995 residents call 55012 home, typically aged 49. DLRadar's demographic-stress index for the area reads 28/100. Households earn a median $93,500 — above the roughly $78,000 national figure. Vacancy runs 10.8%.

Overall 55012 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 55012 runs hot or quiet, its 17/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 55012 can be compared directly against any other ZIP in Chisago County, Minnesota or nationwide. Where the public record is thin for 55012, the field stays empty rather than modeled, and fills in as new documents post.

The 17/100 for 55012 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 55012 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.