ZIP 56646 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 56646 (Polk County, Minnesota) at a low 16/100 for overall property distress. The pressure is most legible in construction/permit lag (60/100), structural risk (35/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). On the structural side it scores 35/100, with 1/100 of stress already active.

The expansion-phase market in 56646 posted values that rose 6.9% over the year, at 58/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $42,422 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 38/100. Roughly 5.0% live below the poverty line, a low share typical of higher-equity areas. 343 residents call 56646 home, typically aged 45. Rent burden reaches 62% of tenant households. About 18% have a four-year degree. The vacancy rate is 16.2% — elevated. There are about 166 housing units across 56646. 76% of housing is owner-occupied. The typical home is worth about $205,300 (5.0× income).

Taken together, 56646 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 56646 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 56646's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 56646 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 56646 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 16/100 roll-up. The point of the 56646 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.