ZIP 56514 Foreclosure, Tax-Lien & Distress Report

ZIP code 56514 in Clay County, Minnesota carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 37/100 against active distress of 1/100. Leading the profile are construction/permit lag (81/100), structural risk (37/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100).

Prices here sit in a peak phase: values rose 3.6% over the trailing year, and 18% higher over three years, at 25/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $88,690, median income runs above typical U.S. levels. About 32% have a four-year degree. There are about 1,533 housing units across 56514. On demographic stress specifically, 56514 scores 23/100. The typical home is worth about $264,800 (2.6× income, relatively affordable). About 4,055 people live here, median age 35. Around 29% of renters are cost-burdened. Owners hold 85% of homes, renters 15%. 5.6% of residents fall below the poverty threshold. Vacancy runs 3.3%.

Overall 56514 looks resilient on the surface, so the edge is isolating individual stressed parcels. 56514 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 56514 read uses the identical public-record model applied coast to coast, which means its 16/100 score means exactly what it means anywhere else, and 56514 stays directly comparable to neighboring ZIPs and the rest of Clay County, Minnesota. Nothing here is interpolated — where a source is thin for 56514, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 16/100 figure for 56514 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 56514 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.