ZIP 56145 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 56145 (Cottonwood County, Minnesota) returns a low composite of 20/100. Environmental exposure also runs high (flood (NFIP) exposure (80/100)). The split runs 45/100 structural to 6/100 active on the ground. Leading the profile are institutional ownership (47/100), structural risk (45/100), construction/permit lag (40/100). mortgage stress (21/100) stay muted.

Prices here sit in a peak phase: values rose 3.4% over the trailing year (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $51,607 — below the roughly $78,000 national figure. Owners hold 91% of homes, renters 9%. Around 10% of adults hold a bachelor's degree or higher. There are about 224 housing units across 56145. About 490 people live here, median age 36. The demographic-stress sub-score lands at 25/100. Roughly 29.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 14.2%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 14% of tenant households. A median home runs $104,200 here, or 1.8 times local income.

Net-net, 56145 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 56145 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 56145 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Cottonwood County, Minnesota and the nation. Sparse data for 56145 shows as blanks, never estimates, and the score updates on every fresh public filing.

56145's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 56145 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.