ZIP 56324 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 56324 (Otter Tail County, Minnesota) returns a low composite of 19/100. The latent-versus-live split is 41/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (68/100), structural risk (41/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (3/100) register low. Environmental exposure also runs high (climate & FEMA risk (78/100)).

The market reads peak — home values rose 2.7% year on year, and 16% higher over three years, at 19/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,116 residents call 56324 home, typically aged 46. Home values center near $252,600, an affordability ratio of 3.1× — accessible. Around 24% of adults hold a bachelor's degree or higher. There are about 676 housing units across 56324. Owners hold 92% of homes, renters 8%. The vacancy rate is 30.5% — elevated. Roughly 2.8% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 56324 scores 22/100. Households earn a median $79,219 — near the roughly $78,000 national figure. Rent burden reaches 0% of tenant households.

Net-net, 56324 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 56324 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 56324 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 56324 can be compared directly against any other ZIP in Otter Tail County, Minnesota or nationwide. 56324 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 19/100 figure for 56324 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 56324 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.