ZIP 54658 Foreclosure, Tax-Lien & Distress Report

Vernon County, Wisconsin's ZIP 54658 registers 20/100 composite distress, which DLRadar reads as low. Structural risk reads 43/100 against active distress of 1/100. Climate and flood risk are elevated too — climate & FEMA risk (72/100). Property-level stress concentrates in structural risk (43/100), construction/permit lag (41/100), institutional ownership (27/100). By contrast, institutional ownership (27/100) and mortgage stress (3/100) register low.

The market reads peak — home values rose 5.0% year on year, and 11% higher over three years, at 31/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 6.9%. Rent burden reaches 29% of tenant households. Owners hold 82% of homes, renters 18%. Around 25% of adults hold a bachelor's degree or higher. Home values center near $249,800, an affordability ratio of 3.1× — accessible. The demographic-stress sub-score lands at 27/100. 2,458 residents call 54658 home, typically aged 50. There are about 1,098 housing units across 54658. The poverty rate is 12.1%. At $72,734, median income runs near typical U.S. levels.

On balance 54658 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 54658 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 54658 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 54658 reflects the current record instead of a stale or modeled snapshot.

54658'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, 54658 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.