ZIP 55045 Foreclosure, Tax-Lien & Distress Report

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. Its standout signals are construction/permit lag (89/100), structural risk (39/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low.

The market reads peak — home values rose 2.4% year on year, and 6% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $110,685, above the U.S. median near $78,000. Roughly 5.6% live below the poverty line, a low share typical of higher-equity areas. About 7,854 people live here, median age 42. Rent burden reaches 12% of tenant households. About 27% have a four-year degree. The tenure split is 91% owner-occupied to 9% rented. 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%.

On balance, 55045 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 55045 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 55045 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 55045 can be compared directly against any other ZIP in Chisago County, Minnesota or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 55045 shows blanks, not estimates, wherever the record is sparse.

The 17/100 for 55045 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 55045 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.