ZIP 55797 Property Distress & Foreclosure Data

In Carlton County, Minnesota, ZIP 55797 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (33/100), construction/permit lag (29/100), institutional ownership (10/100). By contrast, institutional ownership (10/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (72/100). On the structural side it scores 33/100, with 2/100 of stress already active.

The market reads expansion — home values rose 7.1% year on year, 1.8% off the recent peak, and 53% higher over three years (phase confidence 47/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 5.2%. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 641 housing units. Around 19% of renters are cost-burdened. About 23% have a four-year degree. The tenure split is 94% owner-occupied to 6% rented. Households earn a median $88,203 — above the roughly $78,000 national figure. On demographic stress specifically, 55797 scores 21/100. About 1,372 people live here, median age 48. A median home runs $257,400 here, or 2.7 times local income.

Overall 55797 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.