ZIP 55105 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 55105 (Ramsey County, Minnesota) lands at 16/100 — low on DLRadar's public-record scoring. The split runs 33/100 structural to 1/100 active on the ground. The sharpest non-environmental signals are structural risk (33/100), institutional ownership (6/100), mortgage stress (4/100). By contrast, institutional ownership (6/100) and mortgage stress (4/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (95/100).

The market reads peak — home values rose 2.4% year on year, and 11% higher over three years, at 16/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

67% of housing is owner-occupied. The vacancy rate is 5.2%. Population is roughly 27,470 with a median age of 35. Around 33% of renters are cost-burdened. Home values center near $470,100, an affordability ratio of 4.2×. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas. At $108,200, median income runs above typical U.S. levels. Educational attainment sits at 78% bachelor's-or-above. The ZIP holds roughly 12,201 housing units. DLRadar's demographic-stress index for the area reads 25/100.

On balance, 55105 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 55105 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 55105 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 55105, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 55105 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 16/100 roll-up. The point of the 55105 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.