ZIP 56649 Foreclosure, Tax-Lien & Distress Report
Koochiching County, Minnesota · High Vacancy market
In Koochiching County, Minnesota, ZIP 56649 scores 15 of 100 for composite distress, a low level on DLRadar's distress index. The sharpest non-environmental signals are structural risk (33/100), institutional ownership (29/100), mortgage stress (14/100). By contrast, mortgage stress (14/100) and construction/permit lag (1/100) register low. Structural exposure scores 33 and live distress 4 on the 0–100 scale.
The market reads peak — home values rose 3.4% year on year, and 16% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
8,895 residents call 56649 home, typically aged 48. Owners hold 81% of homes, renters 19%. The typical home is worth about $153,600 (2.0× income, relatively affordable). Educational attainment sits at 21% bachelor's-or-above. Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 27% of tenant households. DLRadar's demographic-stress index for the area reads 24/100. The ZIP holds roughly 5,088 housing units. 11.6% of residents fall below the poverty threshold. Median household income is $70,348, near the U.S. median near $78,000.
Taken together, 56649 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 56649 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 56649 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 56649 reflects the current record instead of a stale or modeled snapshot.
Each component behind 56649 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. For an operator, 56649 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 56649’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
56649 at a glance
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Koochiching County ZIPs near 56649
Nearest ZIP codes to 56649
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Minnesota distress
Keep going: ZIP, county and state distress coverage for Koochiching County, Minnesota.
Unlock parcel-level detail for ZIP 56649
Every distressed parcel in 56649 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Deterministic. Every signal traces to a public dataset · methodology