ZIP 55320 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 55320 (Stearns County, Minnesota) lands at 21/100 — low on DLRadar's distress scoring. The pressure is most legible in construction/permit lag (73/100), structural risk (46/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (83/100). Structurally it carries 46/100, against 1/100 of stress already in motion.

The peak-phase market in 55320 posted values that rose 2.9% over the year, and 26% higher over three years (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

Rent burden reaches 23% of tenant households. About 5,676 people live here, median age 41. 6.1% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 23/100. Median household income is $109,242, above the U.S. median near $78,000. There are about 2,333 housing units across 55320. About 28% have a four-year degree. The vacancy rate is 5.3%. Owners hold 84% of homes, renters 16%. The typical home is worth about $354,600 (2.8× income, relatively affordable).

Broadly, 55320 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 55320 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 55320 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 55320, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 55320'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. Practically, 55320 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.