ZIP 55811 Foreclosure, Tax-Lien & Distress Report

ZIP 55811's composite property-distress score is 30/100 - DLRadar classes that as moderate for St. Louis County, Minnesota. The split runs 65/100 structural to 7/100 active on the ground. What sets it apart are the readings on structural risk (65/100), institutional ownership (58/100), mortgage stress (25/100). mortgage stress (25/100) and construction/permit lag (22/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (86/100), FEMA disaster exposure (71/100).

Prices here sit in a peak phase: values rose 3.4% over the trailing year, and 19% higher over three years, at 38/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $321,000 (3.8× income, relatively affordable). On demographic stress specifically, 55811 scores 32/100. 27,907 residents call 55811 home, typically aged 38. About 41% have a four-year degree. The ZIP holds roughly 11,701 housing units. Vacancy runs 4.7%. Rent burden reaches 55% of tenant households. Households earn a median $77,877 — near the roughly $78,000 national figure. 70% of housing is owner-occupied. 11.4% of residents fall below the poverty threshold.

Net-net, 55811 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 55811 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 55811 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. Where the public record is thin for 55811, the field stays empty rather than modeled, and fills in as new documents post.

The 30/100 figure for 55811 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 55811 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.