ZIP 58731 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 58731 (Mchenry County, North Dakota) at a minimal 4/100 for overall property distress. The most distinctive pressure shows up in structural risk (8/100), mortgage stress (5/100), institutional ownership (4/100). mortgage stress (5/100) and institutional ownership (4/100) stay muted. Structural exposure scores 8 and live distress 1 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 8.0% over the trailing year, at 79/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 412 people live here, median age 39. Median household income is $98,571, above the U.S. median near $78,000. Owners hold 75% of homes, renters 25%. Vacancy runs 11.0%. Home values center near $200,000, an affordability ratio of 1.4× — accessible. The ZIP holds roughly 128 housing units. The demographic-stress sub-score lands at 17/100. Roughly 0.5% live below the poverty line, a low share typical of higher-equity areas. Around 0% of renters are cost-burdened. Around 24% of adults hold a bachelor's degree or higher.

Overall 58731 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 58731 read uses the identical public-record model applied coast to coast, which means its 4/100 score means exactly what it means anywhere else, and 58731 stays directly comparable to neighboring ZIPs and the rest of Mchenry County, North Dakota. The score is rebuilt from public data as it updates, so 58731 reflects the current record instead of a stale or modeled snapshot.

The 4/100 figure for 58731 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 58731 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.