ZIP 61044 Foreclosure, Tax-Lien & Distress Report

Stephenson County, Illinois's ZIP 61044 registers 20/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: construction/permit lag (72/100), structural risk (45/100), institutional ownership (10/100). By contrast, institutional ownership (10/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). The split runs 45/100 structural to 2/100 active on the ground.

The market reads expansion — home values rose 5.5% year on year, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $150,000, an affordability ratio of 2.6× — accessible. Vacancy runs 0.0%. About 58% have a four-year degree. 100% of housing is owner-occupied. 8.7% of residents fall below the poverty threshold. Households earn a median $56,307 — below the roughly $78,000 national figure. About 276 people live here, median age 37. The ZIP holds roughly 78 housing units. On demographic stress specifically, 61044 scores 17/100.

On balance 61044 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 61044 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 61044 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 61044 shows blanks, not estimates, wherever the record is sparse.

The 20/100 figure for 61044 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, 61044 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.