ZIP 55812 Foreclosure, Tax-Lien & Distress Report
St. Louis County, Minnesota · High Poverty market
ZIP code 55812 in St. Louis County, Minnesota carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in institutional ownership (60/100), structural risk (59/100), mortgage stress (25/100). mortgage stress (25/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (86/100), FEMA disaster exposure (68/100). The split runs 59/100 structural to 7/100 active on the ground.
Prices here sit in a peak phase: values rose 3.4% over the trailing year, and 23% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.
The poverty rate is 24.8% — high, a tax-stress and distress correlate. About 11,016 people live here, median age 23. 42% of housing is owner-occupied. Around 47% of renters are cost-burdened. Median household income is $66,961, below the U.S. median near $78,000. About 60% have a four-year degree. The demographic-stress sub-score lands at 36/100. Vacancy runs 7.6%. A median home runs $322,700 here, or 4.5 times local income. The ZIP holds roughly 4,145 housing units.
Taken together, 55812 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Big metro or rural, 55812 runs through one identical scoring model, so its 28/100 sits on the same scale as every other ZIP in St. Louis County, Minnesota and the nation. Sparse data for 55812 shows as blanks, never estimates, and the score updates on every fresh public filing.
55812's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 55812 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 55812’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 55812 Stress Report snapshot
A live read on 55812: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent St. Louis County ZIP reports
Nearest ZIP codes to 55812
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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Unlock the full ZIP 55812 acquisition report
Pull every distressed parcel in 55812 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Rules-based scoring — each signal ties to a public dataset · methodology