ZIP 56654 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 56654 in Koochiching County, Minnesota comes in at 8, a minimal composite-distress reading. What sets it apart are the readings on construction/permit lag (27/100), structural risk (17/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (3/100). Structurally it carries 17/100, against 2/100 of stress already in motion.

The market reads peak — home values rose 3.4% year on year, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 82.4% — elevated. The ZIP holds roughly 85 housing units. The demographic-stress sub-score lands at 68/100. About 0% have a four-year degree. Home values center near $254,200. About 92 people live here, median age 44. 100% of housing is owner-occupied.

Net-net, 56654 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 56654 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 56654 read uses the identical scoring model applied coast to coast, which means its 8/100 score means exactly what it means anywhere else, and 56654 stays directly comparable to neighboring ZIPs and the rest of Koochiching County, Minnesota. Where the record is thin for 56654, the field stays empty rather than modeled, and fills in as new documents post.

56654's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 56654 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.