Stephenson County, IL: Foreclosures, Tax Liens & Distressed Properties

Stephenson County, Illinois is scored end-to-end by DLRadar for property distress, drawn only from deterministic public records. Individual Stephenson County ZIPs score between 17 and 27 on the 0–100 composite. Bank/credit headwind for the county is 69 on a 0–100 scale, a elevated reading. 19 ZIP codes are tracked county-wide, averaging 21/100 distress.

In its expansion phase, Stephenson County home prices rose 5.7% across the last year, a 33/100-confidence read. While the county appreciates, the laggards keep building and the breakdown below pinpoints them.

Through Stephenson County's +5.7% YoY climb (33/100 confidence), liquidity improves for clean exits so buy those and momentum helps on exit. Its 69/100 lender headwind favors patient capital: expect more lender-driven inventory soon.

Leading Stephenson County on distress: 61063 (27/100), 61007 (25/100), 61047 (25/100), 61039 (24/100), 61019 (22/100), 61013 (20/100). Other tracked Stephenson County ZIPs include 61018, 61027, 61032, 61044, 61048, 61050, 61060, 61062, 61067, 61070.

On the housing-and-income side, Stephenson County's scored ZIPs report an owner-occupied share of 86%, a median age of 44.8, home values averaging roughly $159,400, below the US, 8.1% of households below the poverty line, household income averaging about $67,340, below the national median, 8.6% of units sitting vacant. Income, equity and tenure like these set up where pressure builds and how liquid the exit will be.

With a low 21/100 reading over 19 ZIPs, the edge is selective acquisition and not a county-wide play. Subscribers get each Stephenson County parcel's owner, APN and address, a per-parcel score, lender exposure and exit read.

Whether Stephenson County, Illinois carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Stephenson County can be compared directly against any county in the country.

Approach Stephenson County by rank rather than by average — the 21/100 county figure conceals the spread, since the returns live in the top-scoring ZIPs. What supports the Stephenson County read is documentary: filings from the recorder and courts, federal price and bank data, and blanks wherever coverage is thin.

Drilling in, Stephenson County's highest-scoring ZIPs are 61063 (27/100), 61007 (25/100), 61047 (25/100), 61039 (24/100), 61019 (22/100), 61013 (20/100). DLRadar also scores 61018, 61027, 61032, 61044, 61048, 61050, 61060, 61062 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

The Stephenson County score is not a single measure but a composite: foreclosure activity, mortgage and tax-lien stress, and local lender headwind each feed it, which is why understanding the components matters as much as the headline number.