ZIP 57038 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 57038 (Union County, South Dakota) at a low 23/100 for overall property distress. The sharpest non-environmental signals are structural risk (52/100), institutional ownership (50/100), construction/permit lag (29/100). On the quiet end sit construction/permit lag (29/100) and mortgage stress (19/100). Latent structural risk is 52/100 while live distress already moving reads 6/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (93/100), FEMA disaster exposure (71/100).

Prices here sit in a contraction phase: values fell 1.3% over the trailing year, 1.3% off the recent peak, and 21% higher over three years, at 35/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The ZIP holds roughly 747 housing units. The poverty rate is 1.4% — low. The vacancy rate is 1.3%. Educational attainment sits at 35% bachelor's-or-above. Households earn a median $86,895 — near the roughly $78,000 national figure. The tenure split is 89% owner-occupied to 11% rented. Rent burden reaches 12% of tenant households. DLRadar's demographic-stress index for the area reads 20/100. Home values center near $332,300, an affordability ratio of 3.2× — accessible. 1,713 residents call 57038 home, typically aged 43.

Net-net, 57038 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 57038 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 57038 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 57038 stays directly comparable to neighboring ZIPs and the rest of Union County, South Dakota. Every figure is auditable to a public dataset and refreshed on ingest; 57038 shows blanks, not estimates, wherever the record is sparse.

57038's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 57038 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.