ZIP 56362 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 56362 (Stearns County, Minnesota) lands at 21/100 — low on DLRadar's public-record scoring. Structural exposure scores 46 and live distress 1 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (78/100)). The sharpest non-environmental signals are construction/permit lag (83/100), structural risk (46/100), institutional ownership (4/100). On the quiet end sit institutional ownership (4/100) and mortgage stress (3/100).

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 14% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 5,560 with a median age of 45. There are about 2,979 housing units across 56362. Home values center near $258,900, an affordability ratio of 3.0× — accessible. Owners hold 83% of homes, renters 17%. 5.4% of residents fall below the poverty threshold. On demographic stress specifically, 56362 scores 27/100. Vacancy runs 23.0%, above the national norm and a classic distress-and-opportunity signal. Around 27% of adults hold a bachelor's degree or higher. Households earn a median $81,536 — near the roughly $78,000 national figure. Around 37% of renters are cost-burdened.

On the whole, 56362 leans distressed, with opportunity clustered in specific stressed parcels. 56362 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 56362 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 56362 shows blanks, not estimates, wherever the record is sparse.

Behind 56362's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 56362 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.