ZIP 56368 Foreclosure, Tax-Lien & Distress Report

In Stearns County, Minnesota, ZIP 56368 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Latent structural risk is 48/100 while live distress already moving reads 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (88/100). The sharpest non-environmental signals are construction/permit lag (83/100), structural risk (48/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100).

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 24% higher over three years (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $321,100 here, or 3.3 times local income. Owners hold 91% of homes, renters 9%. Vacancy runs 28.3%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $92,963 — above the roughly $78,000 national figure. There are about 2,327 housing units across 56368. On demographic stress specifically, 56368 scores 27/100. About 4,162 people live here, median age 45. Around 26% of renters are cost-burdened. Roughly 5.7% live below the poverty line, a low share typical of higher-equity areas. Around 22% of adults hold a bachelor's degree or higher.

On the whole, 56368 leans distressed, with opportunity clustered in specific stressed parcels. 56368 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 56368 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 56368 can be compared directly against any other ZIP in Stearns County, Minnesota or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 56368 shows blanks, not estimates, wherever the record is sparse.

56368'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 a buyer, 56368 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.