ZIP 55974 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 55974 (Houston County, Minnesota) at a low 17/100 for overall property distress. Leading the profile are construction/permit lag (46/100), structural risk (38/100), institutional ownership (33/100). On the quiet end sit institutional ownership (33/100) and mortgage stress (15/100). The split runs 38/100 structural to 5/100 active on the ground.

The peak-phase market in 55974 posted values that rose 4.9% over the year, and 14% higher over three years, at 30/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 1,006 housing units across 55974. A median home runs $186,300 here, or 3.0 times local income. Owners hold 77% of homes, renters 23%. The demographic-stress sub-score lands at 26/100. Households earn a median $60,700 — below the roughly $78,000 national figure. Vacancy runs 11.9%, above the national norm and a classic distress-and-opportunity signal. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas. Around 22% of adults hold a bachelor's degree or higher. 1,998 residents call 55974 home, typically aged 47. Around 30% of renters are cost-burdened.

Overall, 55974 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 55974 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 55974 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 55974, the field stays empty rather than modeled, and fills in as new documents post.

The 17/100 for 55974 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 55974 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.