ZIP 61102 Foreclosure, Tax-Lien & Distress Report

ZIP code 61102 in Winnebago County, Illinois carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (90/100), flood (NFIP) exposure (87/100)). The sharpest non-environmental signals are structural risk (61/100), institutional ownership (44/100), construction/permit lag (30/100). By contrast, construction/permit lag (30/100) and mortgage stress (19/100) register low. Latent structural risk is 61/100 while live distress already moving reads 6/100.

The market reads expansion — home values rose 7.8% year on year, and 45% higher over three years, at 42/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

About 16,620 people live here, median age 36. The ZIP holds roughly 7,064 housing units. Vacancy runs 13.2%, above the national norm and a classic distress-and-opportunity signal. Around 50% of renters are cost-burdened. The tenure split is 60% owner-occupied to 40% rented. The demographic-stress sub-score lands at 34/100. 25.5% of residents fall below the poverty threshold. Households earn a median $42,506 — below the roughly $78,000 national figure. Home values center near $98,900, an affordability ratio of 2.2× — accessible. Educational attainment sits at 8% bachelor's-or-above.

Taken together, 61102 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 61102 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 61102 runs through one identical public-record model, so its 28/100 sits on the same scale as every other ZIP in Winnebago County, Illinois and the nation. The score is rebuilt from public data as it updates, so 61102 reflects the current record instead of a stale or modeled snapshot.

The 28/100 figure for 61102 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, 61102 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.