ZIP 55123 Foreclosure, Tax-Lien & Distress Report

In Dakota County, Minnesota, ZIP 55123 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. The latent-versus-live split is 50/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (85/100). Property-level stress concentrates in structural risk (50/100), construction/permit lag (25/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100).

The peak-phase market in 55123 posted values that rose 2.4% over the year, and 9% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

27,288 residents call 55123 home, typically aged 40. The ZIP holds roughly 10,235 housing units. A median home runs $461,200 here, or 3.3 times local income. About 64% have a four-year degree. The tenure split is 81% owner-occupied to 19% rented. Vacancy runs 0.6%. Around 29% of renters are cost-burdened. The poverty rate is 2.1% — low. The demographic-stress sub-score lands at 21/100. Households earn a median $134,265 — above the roughly $78,000 national figure.

On balance, 55123 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 55123 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 55123 can be compared directly against any other ZIP in Dakota County, Minnesota or nationwide. The score is rebuilt from public data as it updates, so 55123 reflects the current record instead of a stale or modeled snapshot.

55123'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, 55123 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.