ZIP 54421 Foreclosure, Tax-Lien & Distress Report

ZIP code 54421 in Marathon County, Wisconsin carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 52/100 while live distress already moving reads 1/100. Environmental exposure also runs high (climate & FEMA risk (76/100)). Its heaviest discrete signals: construction/permit lag (61/100), structural risk (52/100), institutional ownership (25/100). On the quiet end sit institutional ownership (25/100) and mortgage stress (5/100).

The market reads peak — home values rose 4.9% year on year, and 25% higher over three years, at 45/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $194,500 (3.0× income, relatively affordable). About 14% have a four-year degree. There are about 1,215 housing units across 54421. At $59,738, median income runs below typical U.S. levels. The tenure split is 71% owner-occupied to 29% rented. The poverty rate is 12.5%. The vacancy rate is 3.9%. Rent burden reaches 35% of tenant households. 3,724 residents call 54421 home, typically aged 37. DLRadar's demographic-stress index for the area reads 30/100.

On balance 54421 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 54421 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 54421's 23/100 can be lined up against any neighbor in Marathon County, Wisconsin or any ZIP coast to coast. Where the public record is thin for 54421, the field stays empty rather than modeled, and fills in as new documents post.

54421'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 54421 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.