ZIP 56174 Foreclosure, Tax-Lien & Distress Report

ZIP code 56174 in Cottonwood County, Minnesota carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — flood (NFIP) exposure (79/100), FEMA disaster exposure (60/100). The latent-versus-live split is 52/100 structural and 6/100 already moving. Property-level stress concentrates in construction/permit lag (59/100), structural risk (52/100), institutional ownership (51/100). By contrast, mortgage stress (21/100) register low.

The market reads peak — home values rose 3.4% year on year, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

11.2% of residents fall below the poverty threshold. Rent burden reaches 31% of tenant households. Households earn a median $81,563 — near the roughly $78,000 national figure. The vacancy rate is 8.6%. About 420 people live here, median age 45. DLRadar's demographic-stress index for the area reads 22/100. Educational attainment sits at 18% bachelor's-or-above. A median home runs $104,200 here, or 1.2 times local income. 79% of housing is owner-occupied. The ZIP holds roughly 173 housing units.

On balance, 56174 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 56174 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 56174's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 56174 reflects the current record instead of a stale or modeled snapshot.

56174's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 56174 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.