ZIP 56301 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 56301 (Stearns County, Minnesota) lands at 22/100 — low on DLRadar's public-record scoring. Its standout signals are construction/permit lag (83/100), structural risk (48/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (88/100). The latent-versus-live split is 48/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 13% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $69,725, near the U.S. median near $78,000. The poverty rate is 20.0% — high, a tax-stress and distress correlate. Vacancy runs 6.8%. Around 38% of renters are cost-burdened. Educational attainment sits at 33% bachelor's-or-above. The ZIP holds roughly 13,573 housing units. Home values center near $288,600, an affordability ratio of 3.8× — accessible. Population is roughly 34,883 with a median age of 27. On demographic stress specifically, 56301 scores 34/100. The tenure split is 51% owner-occupied to 49% rented.

On balance 56301 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 56301's 22/100 can be lined up against any neighbor in Stearns County, Minnesota or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 56301 reflects the current record instead of a stale or modeled snapshot.

Each component behind 56301 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. For a buyer, 56301 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.