ZIP 56536 Property Distress & Foreclosure Data

Composite property distress in 56536 (Clay County, Minnesota) lands at 15/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (30/100), construction/permit lag (27/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). Environmental exposure also runs high (climate & FEMA risk (77/100)). The latent-versus-live split is 30/100 structural and 1/100 already moving.

The peak-phase market in 56536 posted values that rose 2.4% over the year (phase confidence 25/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 198 housing units. About 23% have a four-year degree. Households earn a median $79,375 — near the roughly $78,000 national figure. The vacancy rate is 4.7%. Roughly 13.0% live below the poverty line. Population is roughly 491 with a median age of 35. Around 13% of renters are cost-burdened. The tenure split is 89% owner-occupied to 11% rented. On demographic stress specifically, 56536 scores 22/100. A median home runs $211,700 here, or 2.5 times local income.

Broadly, 56536 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.