ZIP 56580 Property Distress & Foreclosure Data

DLRadar grades ZIP 56580 (Clay County, Minnesota) at a low 15/100 for overall property distress. Structural exposure scores 30 and live distress 1 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (77/100). Property-level stress concentrates in 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 market reads peak — home values rose 2.4% year on year, at 25/100 phase confidence. Topping markets hide individual distress behind strong averages.

Home values center near $282,200, an affordability ratio of 2.6× — accessible. Vacancy runs 2.8%. There are about 491 housing units across 56580. Educational attainment sits at 32% bachelor's-or-above. Owners hold 94% of homes, renters 6%. DLRadar's demographic-stress index for the area reads 22/100. 4.5% of residents fall below the poverty threshold. Rent burden reaches 32% of tenant households. About 1,330 people live here, median age 38. Median household income is $101,477, above the U.S. median near $78,000.

Overall 56580 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.