ZIP 55020 Foreclosure, Tax-Lien & Distress Report

Scott County, Minnesota's ZIP 55020 registers 20/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (82/100)). The most distinctive pressure shows up in construction/permit lag (68/100), structural risk (45/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (2/100) register low. Structural exposure scores 45 and live distress 1 on the 0–100 scale.

The peak-phase market in 55020 posted values that rose 2.4% over the year, and 9% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 4.9%. The typical home is worth about $455,500 (3.6× income, relatively affordable). On demographic stress specifically, 55020 scores 34/100. There are about 1,426 housing units across 55020. Rent burden reaches 100% of tenant households. The poverty rate is 3.2% — low. Population is roughly 4,391 with a median age of 34. About 38% have a four-year degree. The tenure split is 99% owner-occupied to 1% rented. Households earn a median $127,159 — above the roughly $78,000 national figure.

Overall 55020 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 55020 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 55020 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 55020 can be compared directly against any other ZIP in Scott County, Minnesota or nationwide. The score is rebuilt from public data as it updates, so 55020 reflects the current record instead of a stale or modeled snapshot.

The 20/100 for 55020 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 an operator, 55020 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.