ZIP 54540 Foreclosure, Tax-Lien & Distress Report

In Vilas County, Wisconsin, ZIP 54540 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (60/100). Property-level stress concentrates in construction/permit lag (76/100), structural risk (38/100), mortgage stress (12/100). mortgage stress (12/100) and institutional ownership (3/100) stay muted. The split runs 38/100 structural to 4/100 active on the ground.

The peak-phase market in 54540 posted values that rose 4.6% over the year, and 40% higher over three years, at 40/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 69.2% — elevated. The tenure split is 89% owner-occupied to 11% rented. Rent burden reaches 32% of tenant households. About 31% have a four-year degree. Home values center near $276,400, an affordability ratio of 3.5× — accessible. At $63,438, median income runs below typical U.S. levels. About 985 people live here, median age 61. There are about 1,486 housing units across 54540. DLRadar's demographic-stress index for the area reads 31/100. Roughly 4.6% live below the poverty line, a low share typical of higher-equity areas.

Net-net, 54540 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 54540 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. Nothing here is interpolated — where a source is thin for 54540, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 54540's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 54540 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.