ZIP 55812 Property Distress & Foreclosure Data

St. Louis County, Minnesota's ZIP 55812 registers 37/100 composite distress, which DLRadar reads as moderate. The most distinctive pressure shows up in construction/permit lag (85/100), structural risk (82/100), institutional ownership (62/100). By contrast, mortgage stress (25/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (86/100), FEMA disaster exposure (79/100). On the structural side it scores 82/100, with 7/100 of stress already active.

The market reads expansion — home values rose 7.1% year on year, 1.8% off the recent peak, and 23% higher over three years (phase confidence 47/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Roughly 24.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 11,016 people live here, median age 23. The tenure split is 42% owner-occupied to 58% rented. Around 47% of renters are cost-burdened. Households earn a median $66,961 — below the roughly $78,000 national figure. About 60% have a four-year degree. On demographic stress specifically, 55812 scores 36/100. The vacancy rate is 7.6%. A median home runs $322,700 here, or 4.5 times local income. The ZIP holds roughly 4,145 housing units.

Net-net, 55812 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.