ZIP 56438 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 56438 in Todd County, Minnesota comes in at 17, a low composite-distress reading. The split runs 42/100 structural to 3/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (65/100). Its heaviest discrete signals: construction/permit lag (70/100), structural risk (42/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (10/100).

The peak-phase market in 56438 posted values that rose 3.4% over the year, and 9% higher over three years, at 28/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $203,000, an affordability ratio of 3.2× — accessible. Roughly 12.1% live below the poverty line. Vacancy runs 19.1%, above the national norm and a classic distress-and-opportunity signal. About 19% have a four-year degree. 78% of housing is owner-occupied. Rent burden reaches 38% of tenant households. There are about 1,532 housing units across 56438. At $57,093, median income runs below typical U.S. levels. Population is roughly 2,830 with a median age of 44. The demographic-stress sub-score lands at 30/100.

On the whole, 56438 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 56438 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 56438's 17/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 56438, the field stays empty rather than modeled, and fills in as new documents post.

Behind 56438'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. Treat 56438 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.