ZIP 54020 Foreclosure, Tax-Lien & Distress Report

ZIP code 54020 in Polk County, Wisconsin carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (64/100), flood (NFIP) exposure (62/100). Structural exposure scores 45 and live distress 3 on the 0–100 scale. Its standout signals are construction/permit lag (56/100), structural risk (45/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (9/100) stay muted.

The peak-phase market in 54020 posted values that rose 4.6% over the year, and 17% higher over three years, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 34% of tenant households. Roughly 8.1% live below the poverty line. Households earn a median $79,833 — near the roughly $78,000 national figure. 7,729 residents call 54020 home, typically aged 43. Educational attainment sits at 29% bachelor's-or-above. A median home runs $306,500 here, or 3.3 times local income. The demographic-stress sub-score lands at 27/100. The tenure split is 77% owner-occupied to 23% rented. The ZIP holds roughly 3,588 housing units. Vacancy runs 6.8%.

Overall 54020 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 54020 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 54020 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 54020 can be compared directly against any other ZIP in Polk County, Wisconsin or nationwide. The score is rebuilt from public data as it updates, so 54020 reflects the current record instead of a stale or modeled snapshot.

Behind 54020'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. Treat 54020 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.