ZIP 61013 Foreclosure, Tax-Lien & Distress Report
Stephenson County, Illinois · Affordable market
ZIP 61013's composite property-distress score is 19/100 - DLRadar classes that as low for Stephenson County, Illinois. Its standout signals are structural risk (44/100), construction/permit lag (43/100), institutional ownership (13/100). On the quiet end sit institutional ownership (13/100) and mortgage stress (6/100). It additionally carries heavy environmental risk: climate & FEMA risk (73/100). Structural exposure scores 44 and live distress 2 on the 0–100 scale.
The market reads expansion — home values rose 5.7% year on year (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The typical home is worth about $125,700 (1.9× income, relatively affordable). About 21% have a four-year degree. The demographic-stress sub-score lands at 21/100. Vacancy runs 7.2%. Roughly 13.2% live below the poverty line. About 705 people live here, median age 48. Around 24% of renters are cost-burdened. 93% of housing is owner-occupied. At $59,712, median income runs below typical U.S. levels. The ZIP holds roughly 327 housing units.
On balance 61013 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 61013 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 61013 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 61013 can be compared directly against any other ZIP in Stephenson County, Illinois or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 61013 shows blanks, not estimates, wherever the record is sparse.
The 19/100 for 61013 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 61013 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 61013
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 61013 by the numbers
A live read on 61013: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Other Stephenson County ZIP codes
Nearest ZIP codes to 61013
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 61013
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Get the full acquisition report for 61013
Open 61013 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Built from public records, scored the same way everywhere · methodology