ZIP 54632 Foreclosure, Tax-Lien & Distress Report

ZIP code 54632 in Vernon County, Wisconsin carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 46 and live distress 1 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (72/100)). The sharpest non-environmental signals are construction/permit lag (56/100), structural risk (46/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (3/100).

Prices here sit in a peak phase: values rose 5.0% over the trailing year, and 4% higher over three years (phase confidence 31/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 14.1% — elevated. Owners hold 90% of homes, renters 10%. A median home runs $236,100 here, or 2.6 times local income. There are about 586 housing units across 54632. Rent burden reaches 11% of tenant households. The demographic-stress sub-score lands at 21/100. 1,149 residents call 54632 home, typically aged 48. Educational attainment sits at 26% bachelor's-or-above. Roughly 5.5% live below the poverty line, a low share typical of higher-equity areas. At $79,167, median income runs near typical U.S. levels.

Net-net, 54632 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 54632 at the moment; the composite and its components are still built from verifiable public records.

Whether 54632 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 54632 can be compared directly against any other ZIP in Vernon County, Wisconsin or nationwide. Nothing here is interpolated — where a source is thin for 54632, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 54632 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Treat 54632 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.