ZIP 56647 Foreclosure, Tax-Lien & Distress Report
Beltrami County, Minnesota · High Vacancy market
ZIP code 56647 in Beltrami County, Minnesota carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic distress index. The latent-versus-live split is 31/100 structural and 1/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (61/100). Its heaviest discrete signals: construction/permit lag (47/100), structural risk (31/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.
Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 34% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The vacancy rate is 32.2% — elevated. There are about 494 housing units across 56647. Around 4% of renters are cost-burdened. 91% of housing is owner-occupied. The demographic-stress sub-score lands at 25/100. The poverty rate is 10.0%. About 759 people live here, median age 49. Median household income is $65,781, below the U.S. median near $78,000. Home values center near $246,100, an affordability ratio of 3.3× — accessible. Educational attainment sits at 22% bachelor's-or-above.
Taken together, 56647 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 56647 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 56647 can be compared directly against any other ZIP in Beltrami County, Minnesota or nationwide. Sparse data for 56647 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 14/100 figure for 56647 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 56647 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 56647’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
The 56647 distress snapshot
Current distress, phase, housing and lender-pressure figures for 56647, drawn from the same report attached to each property.
Neighbouring ZIPs in Beltrami County
Nearest ZIP codes to 56647
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Beltrami County, Minnesota
Further distress data across Beltrami County, Minnesota at ZIP, county and state level.
Get the full acquisition report for 56647
See who owns each distressed property in 56647, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology