ZIP 56527 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 56527 in Otter Tail County, Minnesota comes in at 19, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (79/100)). The split runs 42/100 structural to 2/100 active on the ground. Its heaviest discrete signals: construction/permit lag (69/100), structural risk (42/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (3/100) register low.

The market reads peak — home values rose 2.7% year on year, and 23% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Educational attainment sits at 13% bachelor's-or-above. The tenure split is 88% owner-occupied to 12% rented. 10.6% of residents fall below the poverty threshold. Rent burden reaches 44% of tenant households. Population is roughly 875 with a median age of 39. Home values center near $217,300, an affordability ratio of 3.1× — accessible. The demographic-stress sub-score lands at 30/100. The vacancy rate is 14.3% — elevated. Households earn a median $61,607 — below the roughly $78,000 national figure. There are about 395 housing units across 56527.

On the whole, 56527 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 56527 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 56527 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 56527 reflects the current record instead of a stale or modeled snapshot.

The 19/100 figure for 56527 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. For a buyer, 56527 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.