ZIP 54650 Foreclosure, Tax-Lien & Distress Report

In La Crosse County, Wisconsin, ZIP 54650 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 51/100 against active distress of 2/100. The pressure is most legible in construction/permit lag (55/100), structural risk (51/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (65/100).

The market reads peak — home values rose 5.0% year on year, and 22% higher over three years (phase confidence 31/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 24,619 with a median age of 41. The typical home is worth about $291,600 (3.3× income, relatively affordable). The vacancy rate is 3.7%. Owners hold 68% of homes, renters 32%. About 40% have a four-year degree. There are about 11,669 housing units across 54650. At $85,255, median income runs near typical U.S. levels. Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. Around 28% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 25/100.

On balance, 54650 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 54650 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 54650 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 54650 stays directly comparable to neighboring ZIPs and the rest of La Crosse County, Wisconsin. 54650 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 54650 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. In workflow terms, 54650 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.