ZIP 54865 Foreclosure, Tax-Lien & Distress Report

ZIP 54865's composite property-distress score is 16/100 - DLRadar classes that as low for Bayfield County, Wisconsin. The most distinctive pressure shows up in construction/permit lag (51/100), structural risk (34/100), institutional ownership (28/100). institutional ownership (28/100) and mortgage stress (10/100) stay muted. The latent-versus-live split is 34/100 structural and 3/100 already moving.

The peak-phase market in 54865 posted values that rose 4.6% over the year (phase confidence 40/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 51.7%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 13.4%. The ZIP holds roughly 543 housing units. Rent burden reaches 9% of tenant households. The tenure split is 87% owner-occupied to 13% rented. Around 44% of adults hold a bachelor's degree or higher. A median home runs $180,300 here, or 2.7 times local income. Households earn a median $62,500 — below the roughly $78,000 national figure. Population is roughly 492 with a median age of 57. On demographic stress specifically, 54865 scores 24/100.

Net-net, 54865 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 54865 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 54865 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 54865 stays directly comparable to neighboring ZIPs and the rest of Bayfield County, Wisconsin. Every figure is auditable to a public dataset and refreshed on ingest; 54865 shows blanks, not estimates, wherever the record is sparse.

The 16/100 figure for 54865 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 54865 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.