ZIP 54538 Foreclosure, Tax-Lien & Distress Report

ZIP 54538's composite property-distress score is 16/100 - DLRadar classes that as low for Vilas County, Wisconsin. Structural exposure scores 35 and live distress 4 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (73/100), structural risk (35/100), mortgage stress (12/100). On the quiet end sit mortgage stress (12/100) and institutional ownership (3/100).

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 37% higher over three years, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

72% of housing is owner-occupied. The ZIP holds roughly 2,792 housing units. The poverty rate is 26.4% — high, a tax-stress and distress correlate. Around 24% of renters are cost-burdened. The vacancy rate is 55.3% — elevated. Educational attainment sits at 29% bachelor's-or-above. At $49,915, median income runs below typical U.S. levels. About 2,919 people live here, median age 45. On demographic stress specifically, 54538 scores 41/100. The typical home is worth about $320,300 (5.4× income).

Taken together, 54538 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 54538 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 54538's 16/100 can be lined up against any neighbor in Vilas County, Wisconsin or any ZIP coast to coast. Where the public record is thin for 54538, the field stays empty rather than modeled, and fills in as new documents post.

54538's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 54538 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.