ZIP 54028 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 54028 (St. Croix County, Wisconsin) returns a minimal composite of 13/100. Property-level stress concentrates in structural risk (28/100), construction/permit lag (24/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and mortgage stress (2/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (71/100). Latent structural risk is 28/100 while live distress already moving reads 1/100.

Prices here sit in a peak phase: values rose 2.4% over the trailing year, and 19% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 3.1%. On demographic stress specifically, 54028 scores 25/100. Roughly 7.7% live below the poverty line. Population is roughly 2,666 with a median age of 38. Around 14% of renters are cost-burdened. Around 21% of adults hold a bachelor's degree or higher. At $83,667, median income runs near typical U.S. levels. The tenure split is 70% owner-occupied to 30% rented. A median home runs $269,300 here, or 3.0 times local income. There are about 1,016 housing units across 54028.

Broadly, 54028 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.

Big metro or rural, 54028 runs through one identical public-record 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 54028, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 54028 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 13/100 roll-up. In workflow terms, 54028 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.