ZIP 55104 Foreclosure, Tax-Lien & Distress Report

Ramsey County, Minnesota's ZIP 55104 registers 16/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (95/100)). Structural risk reads 33/100 against active distress of 1/100. The pressure is most legible in structural risk (33/100), institutional ownership (6/100), mortgage stress (4/100). institutional ownership (6/100) and mortgage stress (4/100) stay muted.

The market reads peak — home values rose 2.4% year on year, and 8% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 20,697 housing units. 16.9% of residents fall below the poverty threshold. Around 42% of renters are cost-burdened. About 52% have a four-year degree. Vacancy runs 8.7%. DLRadar's demographic-stress index for the area reads 32/100. 45,777 residents call 55104 home, typically aged 33. Home values center near $317,700, an affordability ratio of 3.9× — accessible. Households earn a median $75,038 — near the roughly $78,000 national figure. 54% of housing is owner-occupied.

On balance 55104 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 55104 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 55104 runs hot or quiet, its 16/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 55104 can be compared directly against any other ZIP in Ramsey County, Minnesota or nationwide. Where the public record is thin for 55104, the field stays empty rather than modeled, and fills in as new documents post.

55104's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 55104 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.