ZIP 54015 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 54015 (St. Croix County, Wisconsin) returns a minimal composite of 13/100. Its standout signals are structural risk (27/100), construction/permit lag (22/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low. The latent-versus-live split is 27/100 structural and 1/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (71/100).

Prices here sit in a peak phase: values rose 2.4% over the trailing year, and 21% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

11.5% of residents fall below the poverty threshold. There are about 1,504 housing units across 54015. At $109,143, median income runs above typical U.S. levels. The vacancy rate is 4.1%. DLRadar's demographic-stress index for the area reads 27/100. About 33% have a four-year degree. Rent burden reaches 41% of tenant households. Home values center near $326,500, an affordability ratio of 2.6× — accessible. 79% of housing is owner-occupied. About 4,107 people live here, median age 37.

Broadly, 54015 is a steadier market — the deals are the exceptions, not the rule. While 54015 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 54015 runs through one identical scoring model, so its 13/100 sits on the same scale as every other ZIP in St. Croix County, Wisconsin and the nation. Nothing here is interpolated — where a source is thin for 54015, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

54015's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 54015 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.