ZIP 61019 Foreclosure, Tax-Lien & Distress Report

In Stephenson County, Illinois, ZIP 61019 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Leading the profile are structural risk (49/100), construction/permit lag (28/100), institutional ownership (27/100). On the quiet end sit institutional ownership (27/100) and mortgage stress (12/100). Structurally it carries 49/100, against 4/100 of stress already in motion. Environmental exposure also runs high (climate & FEMA risk (80/100), flood (NFIP) exposure (70/100)).

Prices here sit in a expansion phase: values rose 6.6% over the trailing year, and 28% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $100,066, above the U.S. median near $78,000. 3,341 residents call 61019 home, typically aged 46. Around 50% of renters are cost-burdened. About 26% have a four-year degree. The ZIP holds roughly 1,566 housing units. Owners hold 84% of homes, renters 16%. On demographic stress specifically, 61019 scores 26/100. A median home runs $232,100 here, or 2.3 times local income. 3.1% of residents fall below the poverty threshold. Vacancy runs 15.7%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 61019 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 61019 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 61019's 22/100 can be lined up against any neighbor in Stephenson County, Illinois or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 61019 reflects the current record instead of a stale or modeled snapshot.

Each component behind 61019 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. In workflow terms, 61019 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.