ZIP 56560 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 56560 (Clay County, Minnesota) returns a low composite of 20/100. Environmental exposure also runs high (climate & FEMA risk (76/100)). Its standout signals are construction/permit lag (81/100), structural risk (44/100), institutional ownership (3/100). institutional ownership (3/100) and mortgage stress (2/100) stay muted. The latent-versus-live split is 44/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 15% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 4.7%. Around 46% of renters are cost-burdened. Population is roughly 44,156 with a median age of 33. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The ZIP holds roughly 19,656 housing units. Households earn a median $71,114 — near the roughly $78,000 national figure. 60% of housing is owner-occupied. Educational attainment sits at 42% bachelor's-or-above. The typical home is worth about $253,200 (3.5× income, relatively affordable). On demographic stress specifically, 56560 scores 32/100.

Overall, 56560 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 56560 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 56560's 20/100 can be lined up against any neighbor in Clay County, Minnesota or any ZIP coast to coast. Sparse data for 56560 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 20/100 figure for 56560 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. The point of the 56560 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.