ZIP 54846 Foreclosure, Tax-Lien & Distress Report

Ashland County, Wisconsin's ZIP 54846 registers 14/100 composite distress, which DLRadar reads as minimal. Its heaviest discrete signals: construction/permit lag (34/100), structural risk (34/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (12/100) register low. The split runs 34/100 structural to 4/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (82/100).

The market reads peak — home values rose 4.6% year on year (phase confidence 40/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $75,938, median income runs near typical U.S. levels. DLRadar's demographic-stress index for the area reads 21/100. Roughly 7.1% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 15.6%, above the national norm and a classic distress-and-opportunity signal. Around 12% of renters are cost-burdened. Educational attainment sits at 16% bachelor's-or-above. Owners hold 89% of homes, renters 11%. There are about 302 housing units across 54846. Population is roughly 647 with a median age of 43. Home values center near $175,000, an affordability ratio of 1.9× — accessible.

On the whole, 54846 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 54846 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 54846 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 14/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 54846 shows blanks, not estimates, wherever the record is sparse.

Behind 54846'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. Practically, 54846 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.