ZIP 54644 Foreclosure, Tax-Lien & Distress Report

ZIP code 54644 in La Crosse County, Wisconsin carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (80/100), flood (NFIP) exposure (60/100). On the structural side it scores 50/100, with 2/100 of stress already active. What sets it apart are the readings on construction/permit lag (55/100), structural risk (50/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (6/100).

The market reads peak — home values rose 4.9% year on year, and 12% higher over three years (phase confidence 31/100). Topping markets hide individual distress behind strong averages.

There are about 489 housing units across 54644. A median home runs $256,500 here, or 3.3 times local income. The vacancy rate is 5.0%. Around 29% of renters are cost-burdened. At $79,250, median income runs near typical U.S. levels. About 1,297 people live here, median age 47. 8.3% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 26/100. Around 19% of adults hold a bachelor's degree or higher. 98% of housing is owner-occupied.

On balance, 54644 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 54644 at the moment; the composite and its components are still built from verifiable public records.

The 54644 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 54644 stays directly comparable to neighboring ZIPs and the rest of La Crosse County, Wisconsin. Where the public record is thin for 54644, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 54644 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Treat 54644 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.