ZIP 61085 Foreclosure, Tax-Lien & Distress Report

ZIP 61085's composite property-distress score is 17/100 - DLRadar classes that as low for Jo Daviess County, Illinois. Property-level stress concentrates in construction/permit lag (86/100), structural risk (38/100), mortgage stress (6/100). On the quiet end sit mortgage stress (6/100) and institutional ownership (3/100). Structurally it carries 38/100, against 2/100 of stress already in motion.

The market reads expansion — home values rose 5.3% year on year, and 15% higher over three years, at 34/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 8.0%. The demographic-stress sub-score lands at 23/100. Home values center near $131,300, an affordability ratio of 1.9× — accessible. Around 16% of adults hold a bachelor's degree or higher. 2,946 residents call 61085 home, typically aged 46. Around 27% of renters are cost-burdened. The ZIP holds roughly 1,547 housing units. 9.3% of residents fall below the poverty threshold. 77% of housing is owner-occupied. At $59,612, median income runs below typical U.S. levels.

Net-net, 61085 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 61085 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 61085 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 61085 shows as blanks, never estimates, and the score updates on every fresh public filing.

61085's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 61085 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.