ZIP 54634 Foreclosure, Tax-Lien & Distress Report

ZIP code 54634 in Vernon County, Wisconsin carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 43/100 structural and 1/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). The most distinctive pressure shows up in construction/permit lag (65/100), structural risk (43/100), institutional ownership (21/100). On the quiet end sit institutional ownership (21/100) and mortgage stress (4/100).

The market reads peak — home values rose 4.9% year on year, and 36% higher over three years, at 33/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $198,800 (3.1× income, relatively affordable). Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. About 4,514 people live here, median age 36. 81% of housing is owner-occupied. Around 18% of adults hold a bachelor's degree or higher. Roughly 21.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 54634 scores 30/100. Households earn a median $58,890 — below the roughly $78,000 national figure. There are about 1,906 housing units across 54634. Around 27% of renters are cost-burdened.

Taken together, 54634 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 54634 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 54634 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 54634 stays directly comparable to neighboring ZIPs and the rest of Vernon County, Wisconsin. Where the public record is thin for 54634, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 for 54634 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 54634 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.