ZIP 56331 Foreclosure, Tax-Lien & Distress Report

ZIP code 56331 in Stearns County, Minnesota carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 48/100 against active distress of 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (88/100). The most distinctive pressure shows up in 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.

The market reads peak — home values rose 3.3% year on year, and 54% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

2,176 residents call 56331 home, typically aged 34. Owners hold 90% of homes, renters 10%. There are about 785 housing units across 56331. Around 18% of adults hold a bachelor's degree or higher. 3.3% of residents fall below the poverty threshold. On demographic stress specifically, 56331 scores 23/100. A median home runs $271,800 here, or 3.0 times local income. At $90,893, median income runs above typical U.S. levels. The vacancy rate is 8.0%. Around 15% of renters are cost-burdened.

Broadly, 56331 is a steadier market — the deals are the exceptions, not the rule. While 56331 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 56331 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 56331 can be compared directly against any other ZIP in Stearns County, Minnesota or nationwide. Nothing here is interpolated — where a source is thin for 56331, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

56331'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. For an operator, 56331 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.