ZIP 55378 Foreclosure, Tax-Lien & Distress Report

ZIP code 55378 in Scott County, Minnesota carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 47/100 against active distress of 1/100. Its standout signals are construction/permit lag (74/100), structural risk (47/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (2/100) register low. Environmental exposure also runs high (climate & FEMA risk (82/100)).

The peak-phase market in 55378 posted values that rose 2.4% over the year, and 6% higher over three years, at 16/100 phase confidence. Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 11,937 housing units. Roughly 4.9% live below the poverty line, a low share typical of higher-equity areas. Owners hold 84% of homes, renters 16%. On demographic stress specifically, 55378 scores 24/100. The vacancy rate is 1.4%. About 51% have a four-year degree. 32,072 residents call 55378 home, typically aged 37. Rent burden reaches 40% of tenant households. A median home runs $430,900 here, or 3.2 times local income. Median household income is $122,237, above the U.S. median near $78,000.

On balance, 55378 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 55378 at the moment; the composite and its components are still built from verifiable public records.

The 55378 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 55378 stays directly comparable to neighboring ZIPs and the rest of Scott County, Minnesota. Where the public record is thin for 55378, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 figure for 55378 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 55378 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.