ZIP 55074 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 55074 (Chisago County, Minnesota) lands at 18/100 — low on DLRadar's distress scoring. Latent structural risk is 40/100 while live distress already moving reads 1/100. Property-level stress concentrates in construction/permit lag (94/100), structural risk (40/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100).

The market reads peak — home values rose 2.4% year on year, and 14% 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 $104,545, above the U.S. median near $78,000. 2,260 residents call 55074 home, typically aged 40. 4.7% of residents fall below the poverty threshold. Owners hold 90% of homes, renters 10%. The demographic-stress sub-score lands at 20/100. Educational attainment sits at 24% bachelor's-or-above. There are about 939 housing units across 55074. Home values center near $297,500, an affordability ratio of 2.7× — accessible. Rent burden reaches 10% of tenant households. The vacancy rate is 3.0%.

Overall 55074 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 55074 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 55074 runs through one identical scoring model, so its 18/100 sits on the same scale as every other ZIP in Chisago County, Minnesota and the nation. Nothing here is interpolated — where a source is thin for 55074, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 55074's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 55074 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.