ZIP 56540 Foreclosure, Tax-Lien & Distress Report

Polk County, Minnesota's ZIP 56540 registers 13/100 composite distress, which DLRadar reads as minimal. Its standout signals are construction/permit lag (45/100), structural risk (28/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (4/100) stay muted. Structural risk reads 28/100 against active distress of 1/100.

Prices here sit in a expansion phase: values rose 6.2% over the trailing year, and 41% higher over three years, at 48/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 9.3%. Rent burden reaches 31% of tenant households. 85% of housing is owner-occupied. About 27% have a four-year degree. Population is roughly 1,838 with a median age of 45. On demographic stress specifically, 56540 scores 24/100. The typical home is worth about $194,800 (2.4× income, relatively affordable). Households earn a median $77,500 — near the roughly $78,000 national figure. There are about 823 housing units across 56540. 9.6% of residents fall below the poverty threshold.

On balance 56540 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 56540 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 56540's 13/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 56540 reflects the current record instead of a stale or modeled snapshot.

The 13/100 figure for 56540 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. In workflow terms, 56540 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.