ZIP 56312 Property Distress & Foreclosure Data

ZIP code 56312 in Stearns County, Minnesota carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (71/100), structural risk (45/100), institutional ownership (6/100). institutional ownership (6/100) and mortgage stress (4/100) stay muted. The latent-versus-live split is 45/100 structural and 1/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (79/100).

Prices here sit in a peak phase: values rose 1.3% over the trailing year, and 7% lower over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 941 housing units. The demographic-stress sub-score lands at 27/100. The vacancy rate is 7.3%. Around 23% of renters are cost-burdened. The poverty rate is 8.6%. Around 18% of adults hold a bachelor's degree or higher. 82% of housing is owner-occupied. 2,224 residents call 56312 home, typically aged 37. At $69,519, median income runs near typical U.S. levels. The typical home is worth about $249,800 (3.5× income, relatively affordable).

Overall, 56312 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.