ZIP 56525 Foreclosure, Tax-Lien & Distress Report

Clay County, Minnesota's ZIP 56525 registers 20/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (77/100). Structurally it carries 44/100, against 1/100 of stress already in motion. The sharpest non-environmental signals are construction/permit lag (81/100), structural risk (44/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low.

The peak-phase market in 56525 posted values that rose 4.1% over the year (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Educational attainment sits at 30% bachelor's-or-above. 100% of housing is owner-occupied. 76 residents call 56525 home, typically aged 58. The ZIP holds roughly 45 housing units. 0.0% of residents fall below the poverty threshold. Vacancy runs 11.4%, above the national norm and a classic distress-and-opportunity signal. Home values center near $162,500, an affordability ratio of 1.9× — accessible. The demographic-stress sub-score lands at 17/100. At $88,750, median income runs above typical U.S. levels.

On balance, 56525 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 56525 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 56525 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. 56525 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

56525'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, 56525 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.