ZIP 54904 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 54904 (Winnebago County, Wisconsin) at a low 24/100 for overall property distress. The split runs 50/100 structural to 2/100 active on the ground. Its standout signals are structural risk (50/100), institutional ownership (43/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100). It additionally carries heavy environmental risk: climate & FEMA risk (88/100), flood (NFIP) exposure (68/100).

The expansion-phase market in 54904 posted values that rose 5.3% over the year, and 22% higher over three years, at 31/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 22,428 people live here, median age 46. The tenure split is 80% owner-occupied to 20% rented. The typical home is worth about $281,000 (2.7× income, relatively affordable). Around 25% of renters are cost-burdened. There are about 10,112 housing units across 54904. 5.5% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 21/100. Educational attainment sits at 42% bachelor's-or-above. Vacancy runs 3.8%. At $95,813, median income runs above typical U.S. levels.

Overall 54904 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 54904 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 54904 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 54904 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 24/100 figure for 54904 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. Practically, 54904 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.