ZIP 55731 Foreclosure, Tax-Lien & Distress Report

ZIP 55731's composite property-distress score is 21/100 - DLRadar classes that as low for Lake County, Minnesota. Climate and flood risk are elevated too — climate & FEMA risk (63/100), FEMA disaster exposure (61/100). The split runs 46/100 structural to 6/100 active on the ground. What sets it apart are the readings on structural risk (46/100), institutional ownership (43/100), construction/permit lag (26/100). By contrast, construction/permit lag (26/100) and mortgage stress (20/100) register low.

The market reads peak — home values rose 3.4% year on year, and 16% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 12.0%. About 5,292 people live here, median age 60. The vacancy rate is 43.4% — elevated. Around 43% of renters are cost-burdened. Median household income is $62,900, below the U.S. median near $78,000. Educational attainment sits at 41% bachelor's-or-above. 75% of housing is owner-occupied. A median home runs $206,000 here, or 3.2 times local income. On demographic stress specifically, 55731 scores 31/100. There are about 4,915 housing units across 55731.

Net-net, 55731 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 55731 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 55731 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 55731 stays directly comparable to neighboring ZIPs and the rest of Lake County, Minnesota. Sparse data for 55731 shows as blanks, never estimates, and the score updates on every fresh public filing.

55731's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 55731 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.