ZIP 54870 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 54870 (Washburn County, Wisconsin) returns a minimal composite of 13/100. Property-level stress concentrates in construction/permit lag (71/100), structural risk (29/100), mortgage stress (10/100). By contrast, mortgage stress (10/100) and institutional ownership (5/100) register low. Structurally it carries 29/100, against 3/100 of stress already in motion.

The peak-phase market in 54870 posted values that rose 4.6% over the year, and 24% higher over three years (phase confidence 40/100). Topping markets hide individual distress behind strong averages.

The typical home is worth about $296,100 (4.3× income). The demographic-stress sub-score lands at 28/100. The ZIP holds roughly 1,428 housing units. The tenure split is 93% owner-occupied to 7% rented. The vacancy rate is 45.4% — elevated. Median household income is $64,097, below the U.S. median near $78,000. Around 27% of adults hold a bachelor's degree or higher. The poverty rate is 8.4%. 1,701 residents call 54870 home, typically aged 56. Rent burden reaches 4% of tenant households.

Net-net, 54870 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 54870 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: 54870 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 54870 shows as blanks, never estimates, and the score updates on every fresh public filing.

54870's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 54870 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.