ZIP 56374 Property Distress & Foreclosure Data

Composite property distress in 56374 (Stearns County, Minnesota) lands at 20/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (68/100), structural risk (44/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). The latent-versus-live split is 44/100 structural and 1/100 already moving. Environmental exposure also runs high (climate & FEMA risk (88/100)).

The peak-phase market in 56374 posted values that rose 0.6% over the year, 1.1% off the recent peak, and 17% higher over three years (phase confidence 34/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 3,776 housing units. On demographic stress specifically, 56374 scores 32/100. Roughly 16.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 10,020 with a median age of 31. The vacancy rate is 5.7%. About 31% have a four-year degree. Around 47% of renters are cost-burdened. The tenure split is 74% owner-occupied to 26% rented. Households earn a median $78,415 — near the roughly $78,000 national figure. A median home runs $292,000 here, or 3.6 times local income.

On balance 56374 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.