ZIP 54539 Foreclosure, Tax-Lien & Distress Report

In Oneida County, Wisconsin, ZIP 54539 scores 15 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (64/100). Its standout signals are construction/permit lag (51/100), structural risk (33/100), mortgage stress (10/100). mortgage stress (10/100) and institutional ownership (3/100) stay muted. The split runs 33/100 structural to 3/100 active on the ground.

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 77% higher over three years, at 40/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 2,033 housing units. Vacancy runs 69.0%, above the national norm and a classic distress-and-opportunity signal. 89% of housing is owner-occupied. On demographic stress specifically, 54539 scores 36/100. Around 26% of adults hold a bachelor's degree or higher. Roughly 9.0% live below the poverty line. The typical home is worth about $282,200 (3.8× income, relatively affordable). Around 49% of renters are cost-burdened. About 1,404 people live here, median age 56. Median household income is $64,044, below the U.S. median near $78,000.

Net-net, 54539 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 54539 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 54539's 15/100 can be lined up against any neighbor in Oneida County, Wisconsin or any ZIP coast to coast. 54539 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

54539'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 54539 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.