ZIP 56585 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 56585 (Clay County, Minnesota) at a low 17/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (64/100). On the structural side it scores 38/100, with 1/100 of stress already active. What sets it apart are the readings on construction/permit lag (75/100), structural risk (38/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100).

The peak-phase market in 56585 posted values that rose 3.7% over the year, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 502 housing units. Educational attainment sits at 18% bachelor's-or-above. On demographic stress specifically, 56585 scores 33/100. Around 54% of renters are cost-burdened. Households earn a median $65,972 — below the roughly $78,000 national figure. Home values center near $301,400, an affordability ratio of 3.5× — accessible. The poverty rate is 16.1%. Vacancy runs 9.4%. The tenure split is 83% owner-occupied to 17% rented. Population is roughly 1,067 with a median age of 50.

Overall, 56585 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 56585 runs through one identical public-record model, so its 17/100 sits on the same scale as every other ZIP in Clay County, Minnesota and the nation. Where the public record is thin for 56585, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 56585 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 17/100 roll-up. For an operator, 56585 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.