ZIP 56547 Foreclosure, Tax-Lien & Distress Report

ZIP code 56547 in Clay County, Minnesota carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: construction/permit lag (81/100), structural risk (44/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). Latent structural risk is 44/100 while live distress already moving reads 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (77/100).

The peak-phase market in 56547 posted values that rose 4.1% over the year, and 16% higher over three years, at 29/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Educational attainment sits at 28% bachelor's-or-above. 5.5% of residents fall below the poverty threshold. Households earn a median $95,750 — above the roughly $78,000 national figure. Rent burden reaches 3% of tenant households. The typical home is worth about $304,300 (2.9× income, relatively affordable). The vacancy rate is 3.3%. DLRadar's demographic-stress index for the area reads 20/100. Owners hold 89% of homes, renters 11%. The ZIP holds roughly 944 housing units. About 2,879 people live here, median age 38.

Overall 56547 looks resilient on the surface, so the edge is isolating individual stressed parcels. 56547 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 56547 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 56547 can be compared directly against any other ZIP in Clay County, Minnesota or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 56547 shows blanks, not estimates, wherever the record is sparse.

The 20/100 figure for 56547 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, 56547 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.