ZIP 56118 Foreclosure, Tax-Lien & Distress Report
Cottonwood County, Minnesota · Distress market
Scored on a fixed 0-100 scale, 56118 (Cottonwood County, Minnesota) returns a low composite of 20/100. Its heaviest discrete signals: institutional ownership (51/100), structural risk (46/100), construction/permit lag (36/100). On the quiet end sit construction/permit lag (36/100) and mortgage stress (21/100). Environmental exposure also runs high (flood (NFIP) exposure (80/100), FEMA disaster exposure (60/100)). On the structural side it scores 46/100, with 6/100 of stress already active.
The peak-phase market in 56118 posted values that rose 3.4% over the year, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The ZIP holds roughly 208 housing units. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. Median household income is $89,076, above the U.S. median near $78,000. The demographic-stress sub-score lands at 27/100. About 22% have a four-year degree. 501 residents call 56118 home, typically aged 48. Around 50% of renters are cost-burdened. The tenure split is 96% owner-occupied to 4% rented. A median home runs $259,600 here, or 2.8 times local income. The vacancy rate is 6.3%.
On balance, 56118 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 56118 is not published yet -- the ZIP-level readings above remain fully sourced.
Whether 56118 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 56118 can be compared directly against any other ZIP in Cottonwood County, Minnesota or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 56118 shows blanks, not estimates, wherever the record is sparse.
Behind 56118's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 56118 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 56118
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 56118 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 56118, the same set carried on every parcel.
Other Cottonwood County ZIP codes
Nearest ZIP codes to 56118
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 56118
Additional distress intelligence spanning Cottonwood County, Minnesota by ZIP, county and state.
The complete 56118 distress and acquisition report
Pull every distressed parcel in 56118 — 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