ZIP 54512 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 54512 (Vilas County, Wisconsin) at a low 16/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (61/100). The latent-versus-live split is 36/100 structural and 4/100 already moving. The sharpest non-environmental signals are construction/permit lag (70/100), structural risk (36/100), mortgage stress (12/100). mortgage stress (12/100) and institutional ownership (3/100) stay muted.

The market reads peak — home values rose 4.6% year on year, and 10% higher over three years, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $71,875 — near the roughly $78,000 national figure. The ZIP holds roughly 1,433 housing units. The poverty rate is 8.5%. Vacancy runs 53.4%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 28% bachelor's-or-above. Population is roughly 1,466 with a median age of 58. Around 29% of renters are cost-burdened. 75% of housing is owner-occupied. On demographic stress specifically, 54512 scores 33/100. The typical home is worth about $294,500 (3.9× income, relatively affordable).

Net-net, 54512 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 54512 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 54512 runs through one identical scoring model, so its 16/100 sits on the same scale as every other ZIP in Vilas County, Wisconsin and the nation. Where the record is thin for 54512, the field stays empty rather than modeled, and fills in as new documents post.

54512's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 54512 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.