ZIP 54864 Property Distress & Foreclosure Data

ZIP code 54864 in Douglas County, Wisconsin carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (77/100), structural risk (39/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). The latent-versus-live split is 39/100 structural and 1/100 already moving.

The market reads expansion — home values rose 7.1% year on year, 1.8% off the recent peak (phase confidence 47/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 16.1% — elevated. Roughly 5.7% live below the poverty line, a low share typical of higher-equity areas. Around 7% of renters are cost-burdened. On demographic stress specifically, 54864 scores 21/100. The ZIP holds roughly 660 housing units. About 27% have a four-year degree. Households earn a median $80,781 — near the roughly $78,000 national figure. The tenure split is 96% owner-occupied to 4% rented. A median home runs $242,100 here, or 2.8 times local income. About 1,534 people live here, median age 44.

Net-net, 54864 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.