ZIP 55804 Foreclosure, Tax-Lien & Distress Report

ZIP 55804's composite property-distress score is 30/100 - DLRadar classes that as moderate for St. Louis County, Minnesota. The latent-versus-live split is 65/100 structural and 7/100 already moving. 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). Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (86/100), FEMA disaster exposure (71/100)).

The peak-phase market in 55804 posted values that rose 3.4% over the year, and 16% higher over three years (phase confidence 38/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

87% of housing is owner-occupied. About 52% have a four-year degree. The typical home is worth about $315,300 (2.6× income, relatively affordable). Median household income is $108,231, above the U.S. median near $78,000. 16,018 residents call 55804 home, typically aged 42. 6.4% of residents fall below the poverty threshold. Vacancy runs 6.9%. Around 43% of renters are cost-burdened. The ZIP holds roughly 6,838 housing units. The demographic-stress sub-score lands at 23/100.

On balance 55804 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 55804 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 55804 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in St. Louis County, Minnesota and the nation. The score is rebuilt from public data as it updates, so 55804 reflects the current record instead of a stale or modeled snapshot.

55804'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 an operator, 55804 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.