ZIP 56535 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 56535 (Polk County, Minnesota) at a minimal 14/100 for overall property distress. The split runs 30/100 structural to 1/100 active on the ground. Leading the profile are construction/permit lag (46/100), structural risk (30/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100). Climate and flood risk are elevated too — climate & FEMA risk (61/100).

Prices here sit in a expansion phase: values rose 6.8% over the trailing year, and 38% higher over three years (phase confidence 56/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $233,600 (3.7× income, relatively affordable). The ZIP holds roughly 920 housing units. Population is roughly 1,290 with a median age of 41. Around 50% of renters are cost-burdened. Vacancy runs 41.1%, above the national norm and a classic distress-and-opportunity signal. Roughly 11.8% live below the poverty line. At $57,917, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 36/100. The tenure split is 74% owner-occupied to 26% rented. Educational attainment sits at 19% bachelor's-or-above.

Taken together, 56535 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 56535 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 56535 runs through one identical public-record model, so its 14/100 sits on the same scale as every other ZIP in Polk County, Minnesota and the nation. Where the public record is thin for 56535, the field stays empty rather than modeled, and fills in as new documents post.

The 14/100 figure for 56535 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. Practically, 56535 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.