ZIP 54861 Foreclosure, Tax-Lien & Distress Report

Ashland County, Wisconsin's ZIP 54861 registers 12/100 composite distress, which DLRadar reads as minimal. On the structural side it scores 30/100, with 0/100 of stress already active. The most distinctive pressure shows up in structural risk (30/100), construction/permit lag (23/100), institutional ownership (17/100). On the quiet end sit construction/permit lag (23/100) and institutional ownership (17/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (76/100).

The market reads peak — home values rose 4.6% year on year, at 40/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

22% of housing is owner-occupied. The vacancy rate is 5.3%. Population is roughly 205 with a median age of 30. About 6% have a four-year degree. Roughly 32.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The demographic-stress sub-score lands at 60/100. The ZIP holds roughly 50 housing units. Around 24% of renters are cost-burdened.

On the whole, 54861 leans distressed, with opportunity clustered in specific stressed parcels. While 54861 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 54861 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 12/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 54861 shows blanks, not estimates, wherever the record is sparse.

54861's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 54861 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.