ZIP 61070 Foreclosure, Tax-Lien & Distress Report

ZIP 61070's composite property-distress score is 20/100 - DLRadar classes that as low for Stephenson County, Illinois. The latent-versus-live split is 46/100 structural and 2/100 already moving. Its heaviest discrete signals: construction/permit lag (50/100), structural risk (46/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (73/100).

Prices here sit in a expansion phase: values rose 5.7% over the trailing year, and 36% higher over three years (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Population is roughly 1,325 with a median age of 52. On demographic stress specifically, 61070 scores 24/100. 90% of housing is owner-occupied. 5.9% of residents fall below the poverty threshold. A median home runs $157,000 here, or 2.1 times local income. The ZIP holds roughly 588 housing units. Vacancy runs 15.2%, above the national norm and a classic distress-and-opportunity signal. About 29% have a four-year degree. Households earn a median $83,542 — near the roughly $78,000 national figure. Rent burden reaches 42% of tenant households.

Net-net, 61070 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 61070 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. Every figure is auditable to a public dataset and refreshed on ingest; 61070 shows blanks, not estimates, wherever the record is sparse.

The 20/100 for 61070 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 61070 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.