ZIP 56529 Property Distress & Foreclosure Data

ZIP code 56529 in Clay County, Minnesota carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (77/100). The latent-versus-live split is 30/100 structural and 1/100 already moving. What sets it apart are the readings on structural risk (30/100), construction/permit lag (27/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low.

The market reads peak — home values rose 2.4% year on year, and 15% higher over three years (phase confidence 25/100). Topping markets hide individual distress behind strong averages.

Median household income is $89,577, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 29/100. 13.7% of residents fall below the poverty threshold. Around 53% of renters are cost-burdened. Educational attainment sits at 38% bachelor's-or-above. Owners hold 77% of homes, renters 23%. The ZIP holds roughly 2,013 housing units. About 4,664 people live here, median age 40. The vacancy rate is 3.8%. Home values center near $261,800, an affordability ratio of 3.0× — accessible.

Overall 56529 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.