ZIP 54139 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 54139 (Oconto County, Wisconsin) returns a minimal composite of 13/100. Structurally it carries 27/100, against 2/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). The sharpest non-environmental signals are construction/permit lag (28/100), structural risk (27/100), mortgage stress (7/100). On the quiet end sit mortgage stress (7/100) and institutional ownership (3/100).

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 37% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 1,441 housing units. The demographic-stress sub-score lands at 27/100. Population is roughly 3,041 with a median age of 47. Owners hold 83% of homes, renters 17%. Around 44% of renters are cost-burdened. Around 16% of adults hold a bachelor's degree or higher. The vacancy rate is 10.4%. At $76,799, median income runs near typical U.S. levels. A median home runs $209,800 here, or 2.4 times local income. The poverty rate is 7.9%.

Overall, 54139 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 54139 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 54139 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. Every figure is auditable to a public dataset and refreshed on ingest; 54139 shows blanks, not estimates, wherever the record is sparse.

Behind 54139's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 54139 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.