ZIP 61089 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 61089 (Stephenson County, Illinois) returns a low composite of 20/100. Climate and flood risk are elevated too — climate & FEMA risk (72/100). Its standout signals are construction/permit lag (54/100), structural risk (46/100), institutional ownership (13/100). By contrast, institutional ownership (13/100) and mortgage stress (6/100) register low. Structurally it carries 46/100, against 2/100 of stress already in motion.

The expansion-phase market in 61089 posted values that rose 5.6% over the year, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

71% of housing is owner-occupied. Home values center near $115,900, an affordability ratio of 1.7× — accessible. There are about 282 housing units across 61089. On demographic stress specifically, 61089 scores 27/100. Population is roughly 593 with a median age of 35. The vacancy rate is 18.4% — elevated. Roughly 21.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 13% of adults hold a bachelor's degree or higher. Households earn a median $68,846 — near the roughly $78,000 national figure. Around 28% of renters are cost-burdened.

Net-net, 61089 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 61089 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 61089 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. 61089 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 20/100 figure for 61089 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. In workflow terms, 61089 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.