ZIP 56134 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 56134 (Rock County, Minnesota) lands at 17/100 — low on DLRadar's distress scoring. The split runs 37/100 structural to 4/100 active on the ground. The sharpest non-environmental signals are construction/permit lag (82/100), structural risk (37/100), institutional ownership (32/100). institutional ownership (32/100) and mortgage stress (13/100) stay muted.

Prices here sit in a peak phase: values rose 2.5% over the trailing year (phase confidence 15/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

DLRadar's demographic-stress index for the area reads 28/100. Population is roughly 405 with a median age of 38. The ZIP holds roughly 177 housing units. Around 20% of renters are cost-burdened. Educational attainment sits at 20% bachelor's-or-above. The typical home is worth about $182,100 (3.5× income, relatively affordable). Households earn a median $56,250 — below the roughly $78,000 national figure. The vacancy rate is 9.9%. 10.6% of residents fall below the poverty threshold. 72% of housing is owner-occupied.

Net-net, 56134 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 56134 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 56134 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. Every figure is auditable to a public dataset and refreshed as records update; 56134 shows blanks, not estimates, wherever the record is sparse.

Each component behind 56134 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 17/100 roll-up. In workflow terms, 56134 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.