ZIP 56634 Foreclosure, Tax-Lien & Distress Report

In Clearwater County, Minnesota, ZIP 56634 scores 11 of 100 for composite distress, a minimal level on DLRadar's public-record index. The most distinctive pressure shows up in construction/permit lag (100/100), structural risk (27/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). On the structural side it scores 27/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 3.4% over the trailing year (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

The vacancy rate is 21.7% — elevated. On demographic stress specifically, 56634 scores 30/100. Home values center near $216,400, an affordability ratio of 2.7× — accessible. Owners hold 76% of homes, renters 24%. Roughly 9.9% live below the poverty line. At $72,500, median income runs near typical U.S. levels. The ZIP holds roughly 784 housing units. Around 21% of adults hold a bachelor's degree or higher. About 1,786 people live here, median age 38. Rent burden reaches 41% of tenant households.

Net-net, 56634 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 56634 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 56634 read uses the identical public-record model applied coast to coast, which means its 11/100 score means exactly what it means anywhere else, and 56634 stays directly comparable to neighboring ZIPs and the rest of Clearwater County, Minnesota. The score is rebuilt from public data as it updates, so 56634 reflects the current record instead of a stale or modeled snapshot.

56634's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 56634 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.