ZIP 56586 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 56586 (Otter Tail County, Minnesota) returns a low composite of 19/100. Climate and flood risk are elevated too — climate & FEMA risk (79/100). Property-level stress concentrates in construction/permit lag (69/100), structural risk (42/100), mortgage stress (7/100). On the quiet end sit mortgage stress (7/100) and institutional ownership (3/100). Structurally it carries 42/100, against 2/100 of stress already in motion.

The market reads peak — home values rose 2.7% year on year, and 42% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 1,332 housing units. At $82,333, median income runs near typical U.S. levels. Population is roughly 1,798 with a median age of 55. The vacancy rate is 39.2% — elevated. About 27% have a four-year degree. Rent burden reaches 5% of tenant households. The tenure split is 94% owner-occupied to 6% rented. The poverty rate is 6.8% — low. Home values center near $309,800, an affordability ratio of 3.4× — accessible. On demographic stress specifically, 56586 scores 25/100.

Net-net, 56586 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 56586 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 56586 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 56586 stays directly comparable to neighboring ZIPs and the rest of Otter Tail County, Minnesota. Nothing here is interpolated — where a source is thin for 56586, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 56586's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 56586 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.