ZIP 56646 Property Distress & Foreclosure Data

ZIP code 56646 in Polk County, Minnesota carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (44/100), structural risk (30/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). The latent-versus-live split is 30/100 structural and 1/100 already moving.

The market reads peak — home values rose 4.1% year on year (phase confidence 40/100). Topping markets hide individual distress behind strong averages.

Median household income is $42,422, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 38/100. 5.0% of residents fall below the poverty threshold. About 343 people live here, median age 45. Around 62% of renters are cost-burdened. Educational attainment sits at 18% bachelor's-or-above. The vacancy rate is 16.2% — elevated. The ZIP holds roughly 166 housing units. Owners hold 76% of homes, renters 24%. Home values center near $205,300, an affordability ratio of 5.0×.

Net-net, 56646 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.