ZIP 56547 Property Distress & Foreclosure Data

ZIP code 56547 in Clay County, Minnesota carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (30/100), construction/permit lag (27/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low. The latent-versus-live split is 30/100 structural and 1/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (77/100).

The market reads peak — home values rose 2.4% year on year, and 16% higher over three years (phase confidence 25/100). Topping markets hide individual distress behind strong averages.

Educational attainment sits at 28% bachelor's-or-above. 5.5% of residents fall below the poverty threshold. Median household income is $95,750, above the U.S. median near $78,000. Around 3% of renters are cost-burdened. Home values center near $304,300, an affordability ratio of 2.9× — accessible. 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.