ZIP 61048 Foreclosure, Tax-Lien & Distress Report

ZIP 61048's composite property-distress score is 20/100 - DLRadar classes that as low for Stephenson County, Illinois. Its heaviest discrete signals: construction/permit lag (58/100), structural risk (46/100), institutional ownership (13/100). On the quiet end sit institutional ownership (13/100) and mortgage stress (6/100). Climate and flood risk are elevated too — climate & FEMA risk (71/100). The split runs 46/100 structural to 2/100 active on the ground.

The expansion-phase market in 61048 posted values that rose 5.6% over the year, and 2% higher over three years, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 85% of homes, renters 15%. About 3,848 people live here, median age 48. Median household income is $87,604, above the U.S. median near $78,000. Educational attainment sits at 28% bachelor's-or-above. 2.6% of residents fall below the poverty threshold. There are about 1,768 housing units across 61048. Rent burden reaches 21% of tenant households. DLRadar's demographic-stress index for the area reads 19/100. The typical home is worth about $166,600 (1.9× income, relatively affordable). Vacancy runs 5.3%.

Overall 61048 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 61048 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 61048's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 61048, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 61048 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Treat 61048 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.