ZIP 54138 Foreclosure, Tax-Lien & Distress Report

ZIP code 54138 in Oconto County, Wisconsin carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: construction/permit lag (28/100), structural risk (26/100), mortgage stress (7/100). mortgage stress (7/100) and institutional ownership (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). Structurally it carries 26/100, against 2/100 of stress already in motion.

The expansion-phase market in 54138 posted values that rose 5.3% over the year, and 41% higher over three years (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $64,924, below the U.S. median near $78,000. Roughly 13.7% live below the poverty line. Rent burden reaches 60% of tenant households. Population is roughly 860 with a median age of 58. Around 22% of adults hold a bachelor's degree or higher. Vacancy runs 69.5%, above the national norm and a classic distress-and-opportunity signal. Home values center near $234,200, an affordability ratio of 3.2× — accessible. DLRadar's demographic-stress index for the area reads 37/100. 93% of housing is owner-occupied. There are about 1,309 housing units across 54138.

On the whole, 54138 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 54138 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 54138 can be compared directly against any other ZIP in Oconto County, Wisconsin or nationwide. Nothing here is interpolated — where a source is thin for 54138, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 13/100 figure for 54138 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. Treat 54138 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.