ZIP 55120 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 55120 in Dakota County, Minnesota comes in at 22, a low composite-distress reading. The sharpest non-environmental signals are structural risk (50/100), construction/permit lag (25/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted. Structural exposure scores 50 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100).

Prices here sit in a peak phase: values rose 2.4% over the trailing year, and 5% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $111,900, median income runs above typical U.S. levels. On demographic stress specifically, 55120 scores 26/100. Vacancy runs 0.7%. Rent burden reaches 24% of tenant households. The typical home is worth about $515,600 (4.3× income). 5,080 residents call 55120 home, typically aged 41. Roughly 2.9% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 61% owner-occupied to 39% rented. About 57% have a four-year degree. There are about 2,116 housing units across 55120.

Overall 55120 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 55120 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Dakota County, Minnesota and the nation. Where the public record is thin for 55120, the field stays empty rather than modeled, and fills in as new documents post.

Behind 55120'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 55120 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.