ZIP 54025 Foreclosure, Tax-Lien & Distress Report
St. Croix County, Wisconsin · Distress market
ZIP code 54025 in St. Croix County, Wisconsin carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. Structurally it carries 28/100, against 1/100 of stress already in motion. 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). Environmental exposure also runs high (climate & FEMA risk (71/100)).
The peak-phase market in 54025 posted values that rose 2.4% over the year, and 13% higher over three years, at 16/100 phase confidence. Topping markets hide individual distress behind strong averages.
About 7,497 people live here, median age 42. A median home runs $386,500 here, or 3.6 times local income. The ZIP holds roughly 3,200 housing units. Owners hold 82% of homes, renters 18%. Median household income is $95,617, above the U.S. median near $78,000. Around 24% of adults hold a bachelor's degree or higher. Vacancy runs 7.0%. Around 43% of renters are cost-burdened. 5.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 29/100.
On balance, 54025 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 54025 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 54025 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 54025, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 13/100 figure for 54025 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. In workflow terms, 54025 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 54025
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 54025 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Other St. Croix County ZIP codes
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Deterministic. Every signal traces to a public dataset · methodology