ZIP 55045 Property Distress & Foreclosure Data

DLRadar grades ZIP 55045 (Chisago County, Minnesota) at a low 17/100 for overall property distress. On the structural side it scores 39/100, with 1/100 of stress already active. Property-level stress concentrates in 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 55045 posted values that rose 2.9% over the year, and 6% higher over three years (phase confidence 23/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $110,685, median income runs above typical U.S. levels. The poverty rate is 5.6% — low. Population is roughly 7,854 with a median age of 42. Around 12% of renters are cost-burdened. Around 27% of adults hold a bachelor's degree or higher. 91% of housing is owner-occupied. The typical home is worth about $390,500 (3.4× income, relatively affordable). The ZIP holds roughly 3,011 housing units. The demographic-stress sub-score lands at 23/100. The vacancy rate is 7.1%.

Broadly, 55045 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.