ZIP 61032 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 61032 (Stephenson County, Illinois) lands at 20/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (73/100). The most distinctive pressure shows up in construction/permit lag (50/100), structural risk (46/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted. On the structural side it scores 46/100, with 2/100 of stress already active.

The market reads expansion — home values rose 5.7% year on year, and 37% higher over three years, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Population is roughly 29,072 with a median age of 46. The typical home is worth about $112,300 (2.0× income, relatively affordable). The tenure split is 65% owner-occupied to 35% rented. About 20% have a four-year degree. Vacancy runs 8.7%. There are about 14,720 housing units across 61032. 16.6% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 27/100. Households earn a median $54,179 — below the roughly $78,000 national figure. Around 34% of renters are cost-burdened.

Overall, 61032 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 61032 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Stephenson County, Illinois and the nation. Where the public record is thin for 61032, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 for 61032 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 61032 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.