ZIP 54009 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 54009 (Polk County, Wisconsin) at a low 20/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (64/100), flood (NFIP) exposure (63/100). The pressure is most legible in construction/permit lag (57/100), structural risk (46/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (9/100) stay muted. Structural risk reads 46/100 against active distress of 3/100.

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 14% higher over three years, at 40/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 2,725 with a median age of 38. Home values center near $249,300, an affordability ratio of 2.7× — accessible. DLRadar's demographic-stress index for the area reads 27/100. Rent burden reaches 41% of tenant households. Owners hold 86% of homes, renters 14%. The ZIP holds roughly 1,172 housing units. Educational attainment sits at 20% bachelor's-or-above. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 11.0%. Households earn a median $88,811 — above the roughly $78,000 national figure.

Overall 54009 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 54009 at the moment; the composite and its components are still built from verifiable public records.

Whether 54009 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 54009 can be compared directly against any other ZIP in Polk County, Wisconsin or nationwide. Sparse data for 54009 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 20/100 figure for 54009 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 54009 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.