ZIP 58238 Foreclosure, Tax-Lien & Distress Report

In Pembina County, North Dakota, ZIP 58238 scores 13 of 100 for composite distress, a minimal level on DLRadar's public-record index. Property-level stress concentrates in construction/permit lag (100/100), structural risk (32/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100). Structurally it carries 32/100, against 1/100 of stress already in motion.

The peak-phase market in 58238 posted values that rose 4.2% over the year (phase confidence 44/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 100% of homes, renters 0%. The demographic-stress sub-score lands at 14/100. The ZIP holds roughly 57 housing units. Vacancy runs 7.4%. At $103,000, median income runs above typical U.S. levels. A median home runs $146,900 here, or 1.3 times local income. 145 residents call 58238 home, typically aged 47. About 46% have a four-year degree. The poverty rate is 2.1% — low.

Overall 58238 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 58238 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 58238 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 58238 shows blanks, not estimates, wherever the record is sparse.

Each component behind 58238 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 13/100 roll-up. In workflow terms, 58238 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.