ZIP 54821 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 54821 (Bayfield County, Wisconsin) at a low 16/100 for overall property distress. Its heaviest discrete signals: construction/permit lag (51/100), structural risk (34/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (10/100). The split runs 34/100 structural to 3/100 active on the ground.

Prices here sit in a peak phase: values rose 4.6% over the trailing year, and 57% higher over three years, at 40/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 1,512 people live here, median age 59. A median home runs $321,400 here, or 4.7 times local income. Roughly 8.3% live below the poverty line. 86% of housing is owner-occupied. The ZIP holds roughly 1,872 housing units. Vacancy runs 59.2%, above the national norm and a classic distress-and-opportunity signal. Around 24% of renters are cost-burdened. Median household income is $58,352, below the U.S. median near $78,000. On demographic stress specifically, 54821 scores 33/100. About 36% have a four-year degree.

Net-net, 54821 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 54821 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 54821 read uses the identical public-record model applied coast to coast, which means its 16/100 score means exactly what it means anywhere else, and 54821 stays directly comparable to neighboring ZIPs and the rest of Bayfield County, Wisconsin. Nothing here is interpolated — where a source is thin for 54821, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 54821'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 54821 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.