ZIP 56536 Foreclosure, Tax-Lien & Distress Report
Clay County, Minnesota · Distress market
Clay County, Minnesota's ZIP 56536 registers 18/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on construction/permit lag (57/100), structural risk (38/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (77/100). The latent-versus-live split is 38/100 structural and 1/100 already moving.
The market reads peak — home values rose 4.1% year on year (phase confidence 29/100). Topping markets hide individual distress behind strong averages.
The ZIP holds roughly 198 housing units. Around 23% of adults hold a bachelor's degree or higher. Median household income is $79,375, near the U.S. median near $78,000. Vacancy runs 4.7%. The poverty rate is 13.0%. 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. DLRadar's demographic-stress index for the area reads 22/100. The typical home is worth about $211,700 (2.5× income, relatively affordable).
Overall 56536 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 56536 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 56536 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 56536 shows as blanks, never estimates, and the score updates on every fresh public filing.
56536'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. In workflow terms, 56536 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 56536
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 56536 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 56536, the same set carried on every parcel.
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More distress data near 56536
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