ZIP 55746 Property Distress & Foreclosure Data

ZIP code 55746 in St. Louis County, Minnesota carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (83/100), structural risk (80/100), institutional ownership (60/100). By contrast, mortgage stress (24/100) register low. On the structural side it scores 80/100, with 7/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (80/100), FEMA disaster exposure (78/100).

The market reads expansion — home values rose 6.8% year on year, 1.7% off the recent peak, and 18% higher over three years (phase confidence 44/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $55,694 — below the roughly $78,000 national figure. Roughly 13.9% live below the poverty line. About 19% have a four-year degree. The ZIP holds roughly 8,886 housing units. The tenure split is 75% owner-occupied to 25% rented. On demographic stress specifically, 55746 scores 28/100. Around 46% of renters are cost-burdened. The vacancy rate is 10.9%. A median home runs $134,600 here, or 2.3 times local income. About 16,815 people live here, median age 44.

Net-net, 55746 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.