ZIP 54854 Foreclosure, Tax-Lien & Distress Report

In Douglas County, Wisconsin, ZIP 54854 scores 15 of 100 for composite distress, a low level on DLRadar's distress index. Climate and flood risk are elevated too — climate & FEMA risk (65/100). The most distinctive pressure shows up in construction/permit lag (48/100), structural risk (32/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (3/100). Structural risk reads 32/100 against active distress of 1/100.

The market reads peak — home values rose 3.4% year on year, and 36% higher over three years (phase confidence 38/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 25.2% — elevated. There are about 450 housing units across 54854. A median home runs $208,600 here, or 2.2 times local income. Owners hold 88% of homes, renters 12%. Rent burden reaches 35% of tenant households. About 30% have a four-year degree. 907 residents call 54854 home, typically aged 41. The demographic-stress sub-score lands at 25/100. Roughly 6.1% live below the poverty line, a low share typical of higher-equity areas. At $81,500, median income runs near typical U.S. levels.

Net-net, 54854 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 54854 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 54854's 15/100 can be lined up against any neighbor in Douglas County, Wisconsin or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 54854 reflects the current record instead of a stale or modeled snapshot.

Behind 54854'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 54854 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.