ZIP 56630 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 56630 in Beltrami County, Minnesota comes in at 18, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (65/100). Its heaviest discrete signals: construction/permit lag (57/100), structural risk (38/100), institutional ownership (12/100). On the quiet end sit institutional ownership (12/100) and mortgage stress (8/100). Structurally it carries 38/100, against 2/100 of stress already in motion.

The market reads peak — home values rose 2.7% year on year, and 17% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $176,900 (3.7× income, relatively affordable). DLRadar's demographic-stress index for the area reads 35/100. 2,081 residents call 56630 home, typically aged 47. Vacancy runs 26.9%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 42% of tenant households. About 21% have a four-year degree. 77% of housing is owner-occupied. There are about 1,107 housing units across 56630. 20.0% of residents fall below the poverty threshold. Median household income is $51,875, below the U.S. median near $78,000.

Net-net, 56630 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 56630 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 56630's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 56630, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 56630 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. Treat 56630 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.