ZIP 54005 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 54005 (Polk County, Wisconsin) returns a low composite of 17/100. Structural exposure scores 39 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (65/100). Its standout signals are construction/permit lag (44/100), structural risk (39/100), institutional ownership (10/100). By contrast, institutional ownership (10/100) and mortgage stress (7/100) register low.

The market reads peak — home values rose 4.3% year on year, and 17% higher over three years, at 34/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 10.3%. A median home runs $274,300 here, or 2.9 times local income. At $82,500, median income runs near typical U.S. levels. Roughly 8.3% live below the poverty line. The tenure split is 83% owner-occupied to 17% rented. The ZIP holds roughly 1,345 housing units. 3,222 residents call 54005 home, typically aged 39. On demographic stress specifically, 54005 scores 26/100. Around 26% of renters are cost-burdened. Educational attainment sits at 20% bachelor's-or-above.

Broadly, 54005 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 54005 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 54005, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 54005's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 54005 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.