ZIP 56546 Property Distress & Foreclosure Data

Clay County, Minnesota's ZIP 56546 registers 15/100 composite distress, which DLRadar reads as low. Structural risk reads 30/100 against active distress of 1/100. Climate and flood risk are elevated too — climate & FEMA risk (77/100). The most distinctive pressure shows up in structural risk (30/100), construction/permit lag (27/100), institutional ownership (3/100). institutional ownership (3/100) and mortgage stress (2/100) stay muted.

Prices here sit in a peak phase: values rose 2.4% over the trailing year, at 25/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

222 residents call 56546 home, typically aged 42. The typical home is worth about $267,900 (2.8× income, relatively affordable). There are about 124 housing units across 56546. The demographic-stress sub-score lands at 19/100. 94% of housing is owner-occupied. Vacancy runs 17.1%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 7.0% — low. Around 28% of adults hold a bachelor's degree or higher. At $82,917, median income runs near typical U.S. levels. Rent burden reaches 0% of tenant households.

Taken together, 56546 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.