ZIP 56580 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 56580 (Clay County, Minnesota) at a low 20/100 for overall property distress. Structural risk reads 44/100 against active distress of 1/100. Environmental exposure also runs high (climate & FEMA risk (77/100)). Leading the profile are construction/permit lag (81/100), structural risk (44/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100).

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

The typical home is worth about $282,200 (2.6× income, relatively affordable). Vacancy runs 2.8%. There are about 491 housing units across 56580. Around 32% of adults hold a bachelor's degree or higher. Owners hold 94% of homes, renters 6%. On demographic stress specifically, 56580 scores 22/100. Roughly 4.5% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 32% of tenant households. About 1,330 people live here, median age 38. At $101,477, median income runs above typical U.S. levels.

Broadly, 56580 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 56580 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 56580 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 56580 stays directly comparable to neighboring ZIPs and the rest of Clay County, Minnesota. Nothing here is interpolated — where a source is thin for 56580, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

56580's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 56580 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.