ZIP 55738 Foreclosure, Tax-Lien & Distress Report

St. Louis County, Minnesota's ZIP 55738 registers 30/100 composite distress, which DLRadar reads as moderate. Structural exposure scores 65 and live distress 7 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (86/100), FEMA disaster exposure (71/100)). The pressure is most legible in structural risk (65/100), institutional ownership (58/100), mortgage stress (25/100). On the quiet end sit mortgage stress (25/100) and construction/permit lag (22/100).

The market reads peak — home values rose 3.4% year on year, at 38/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

584 residents call 55738 home, typically aged 50. Owners hold 97% of homes, renters 3%. Vacancy runs 21.4%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 24/100. The poverty rate is 10.1%. About 16% have a four-year degree. Home values center near $167,400, an affordability ratio of 1.8× — accessible. Around 33% of renters are cost-burdened. The ZIP holds roughly 318 housing units. Median household income is $80,278, near the U.S. median near $78,000.

Taken together, 55738 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 55738 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 55738 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 55738 shows blanks, not estimates, wherever the record is sparse.

55738's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 55738 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.