ZIP 61104 Foreclosure, Tax-Lien & Distress Report

ZIP code 61104 in Winnebago County, Illinois carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (90/100). Its heaviest discrete signals: structural risk (62/100), institutional ownership (48/100), construction/permit lag (26/100). On the quiet end sit construction/permit lag (26/100) and mortgage stress (20/100). On the structural side it scores 62/100, with 6/100 of stress already active.

The market reads expansion — home values rose 8.1% year on year, and 66% higher over three years, at 44/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

About 17,584 people live here, median age 35. The vacancy rate is 16.2% — elevated. A median home runs $90,100 here, or 2.6 times local income. Rent burden reaches 50% of tenant households. 37% of housing is owner-occupied. Educational attainment sits at 9% bachelor's-or-above. The demographic-stress sub-score lands at 41/100. The ZIP holds roughly 9,101 housing units. Roughly 39.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $32,161, below the U.S. median near $78,000.

Taken together, 61104 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 61104 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 61104's 28/100 can be lined up against any neighbor in Winnebago County, Illinois or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 61104 shows blanks, not estimates, wherever the record is sparse.

61104'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. The point of the 61104 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.