ZIP 56549 Property Distress & Foreclosure Data

DLRadar grades ZIP 56549 (Clay County, Minnesota) at a low 15/100 for overall property distress. Property-level stress concentrates 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. On the structural side it scores 30/100, with 1/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (77/100).

Prices here sit in a peak phase: values rose 2.4% over the trailing year, and 13% higher over three years (phase confidence 25/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $100,326, median income runs above typical U.S. levels. The poverty rate is 4.2% — low. The ZIP holds roughly 1,957 housing units. The demographic-stress sub-score lands at 23/100. Around 36% of adults hold a bachelor's degree or higher. The typical home is worth about $341,500 (3.2× income, relatively affordable). Around 24% of renters are cost-burdened. The vacancy rate is 6.0%. 4,656 residents call 56549 home, typically aged 41. 84% of housing is owner-occupied.

On balance, 56549 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.