ZIP 58545 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 58545 (Mercer County, North Dakota) returns a minimal composite of 14/100. On the structural side it scores 32/100, with 2/100 of stress already active. Its heaviest discrete signals: construction/permit lag (100/100), structural risk (32/100), mortgage stress (8/100). By contrast, mortgage stress (8/100) and institutional ownership (8/100) register low.

The peak-phase market in 58545 posted values that rose 4.7% over the year, and 8% higher over three years, at 38/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $73,229, median income runs near typical U.S. levels. 11.3% of residents fall below the poverty threshold. A median home runs $202,700 here, or 2.9 times local income. Around 41% of renters are cost-burdened. Vacancy runs 21.4%, above the national norm and a classic distress-and-opportunity signal. About 26% have a four-year degree. The ZIP holds roughly 1,862 housing units. The demographic-stress sub-score lands at 29/100. 77% of housing is owner-occupied. About 3,278 people live here, median age 46.

On the whole, 58545 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 58545 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 58545 read uses the identical public-record model applied coast to coast, which means its 14/100 score means exactly what it means anywhere else, and 58545 stays directly comparable to neighboring ZIPs and the rest of Mercer County, North Dakota. Where the public record is thin for 58545, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 58545 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. For a buyer, 58545 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.