ZIP 56549 Foreclosure, Tax-Lien & Distress Report
Clay County, Minnesota · Distress market
Scored on a fixed 0-100 scale, 56549 (Clay County, Minnesota) returns a low composite of 18/100. The most distinctive pressure shows up in construction/permit lag (57/100), structural risk (38/100), institutional ownership (3/100). institutional ownership (3/100) and mortgage stress (2/100) stay muted. Structural risk reads 38/100 against active distress of 1/100. Environmental exposure also runs high (climate & FEMA risk (77/100)).
Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 13% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Households earn a median $100,326 — above the roughly $78,000 national figure. 4.2% of residents fall below the poverty threshold. The ZIP holds roughly 1,957 housing units. DLRadar's demographic-stress index for the area reads 23/100. About 36% have a four-year degree. A median home runs $341,500 here, or 3.2 times local income. Around 24% of renters are cost-burdened. Vacancy runs 6.0%. About 4,656 people live here, median age 41. The tenure split is 84% owner-occupied to 16% rented.
Broadly, 56549 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 56549 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 56549, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 18/100 for 56549 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 56549 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 56549 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 56549 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 56549, drawn from the same report attached to each property.
Clay County ZIPs near 56549
Nearest ZIP codes to 56549
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Keep going: ZIP, county and state distress coverage for Clay County, Minnesota.
Unlock the full ZIP 56549 acquisition report
Every distressed parcel in 56549 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
No modelling: every input is a public record · methodology