ZIP 54016 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 54016 (St. Croix County, Wisconsin) at a minimal 13/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (71/100)). Its heaviest discrete signals: structural risk (28/100), construction/permit lag (24/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). Latent structural risk is 28/100 while live distress already moving reads 1/100.

The market reads peak — home values rose 2.4% year on year, and 16% higher over three years (phase confidence 16/100). Topping markets hide individual distress behind strong averages.

33,784 residents call 54016 home, typically aged 41. Median household income is $111,402, above the U.S. median near $78,000. Vacancy runs 3.3%. Owners hold 79% of homes, renters 21%. The poverty rate is 5.5% — low. On demographic stress specifically, 54016 scores 27/100. The ZIP holds roughly 14,022 housing units. About 50% have a four-year degree. Home values center near $452,000, an affordability ratio of 3.8× — accessible. Around 41% of renters are cost-burdened.

Broadly, 54016 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.

Because one deterministic model scores every ZIP, 54016's 13/100 can be lined up against any neighbor in St. Croix County, Wisconsin or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 54016, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

54016's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 54016 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.