ZIP 56325 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 56325 (Stearns County, Minnesota) lands at 22/100 — low on DLRadar's public-record scoring. What sets it apart are the readings on 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). Structural exposure scores 48 and live distress 1 on the 0–100 scale.

The market reads peak — home values rose 3.2% year on year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 94% owner-occupied to 6% rented. The vacancy rate is 4.4%. 8.9% of residents fall below the poverty threshold. Around 33% of renters are cost-burdened. At $54,375, median income runs below typical U.S. levels. Around 15% of adults hold a bachelor's degree or higher. On demographic stress specifically, 56325 scores 26/100. A median home runs $174,300 here, or 3.0 times local income. There are about 93 housing units across 56325. About 194 people live here, median age 46.

On balance 56325 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.

Big metro or rural, 56325 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Stearns County, Minnesota and the nation. Where the public record is thin for 56325, the field stays empty rather than modeled, and fills in as new documents post.

56325'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. Practically, 56325 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.