ZIP 54245 Foreclosure, Tax-Lien & Distress Report

ZIP code 54245 in Manitowoc County, Wisconsin carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. The split runs 36/100 structural to 1/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (72/100). What sets it apart are the readings on structural risk (36/100), institutional ownership (32/100), mortgage stress (3/100). institutional ownership (32/100) and mortgage stress (3/100) stay muted.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 29% higher over three years (phase confidence 32/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 86% of homes, renters 14%. Roughly 6.5% live below the poverty line, a low share typical of higher-equity areas. About 2,020 people live here, median age 44. The ZIP holds roughly 1,009 housing units. Home values center near $226,700, an affordability ratio of 2.5× — accessible. Vacancy runs 11.4%, above the national norm and a classic distress-and-opportunity signal. Median household income is $83,375, near the U.S. median near $78,000. The demographic-stress sub-score lands at 23/100. Around 20% of adults hold a bachelor's degree or higher. Rent burden reaches 25% of tenant households.

On balance, 54245 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 54245 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 54245 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 54245 reflects the current record instead of a stale or modeled snapshot.

The 17/100 figure for 54245 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. Practically, 54245 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.