ZIP 54230 Foreclosure, Tax-Lien & Distress Report

In Manitowoc County, Wisconsin, ZIP 54230 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (climate & FEMA risk (72/100)). The sharpest non-environmental signals are structural risk (47/100), institutional ownership (41/100), construction/permit lag (15/100). construction/permit lag (15/100) and mortgage stress (3/100) stay muted. On the structural side it scores 47/100, with 1/100 of stress already active.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 20% higher over three years, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $227,200, an affordability ratio of 2.6× — accessible. There are about 1,801 housing units across 54230. 4,240 residents call 54230 home, typically aged 45. Around 17% of adults hold a bachelor's degree or higher. Around 11% of renters are cost-burdened. Vacancy runs 3.9%. On demographic stress specifically, 54230 scores 22/100. At $78,964, median income runs near typical U.S. levels. 87% of housing is owner-occupied. 10.0% of residents fall below the poverty threshold.

Overall 54230 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 54230 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 54230 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 54230 shows blanks, not estimates, wherever the record is sparse.

54230's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 54230 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.