ZIP 61231 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 61231 (Mercer County, Illinois) returns a minimal composite of 7/100. Latent structural risk is 16/100 while live distress already moving reads 1/100. Property-level stress concentrates in construction/permit lag (44/100), structural risk (16/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low.

The peak-phase market in 61231 posted values that rose 3.8% over the year, and 13% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $66,389, median income runs below typical U.S. levels. Around 33% of renters are cost-burdened. The poverty rate is 10.0%. The vacancy rate is 11.2%. The ZIP holds roughly 2,317 housing units. The demographic-stress sub-score lands at 26/100. About 22% have a four-year degree. Home values center near $147,600, an affordability ratio of 2.1× — accessible. The tenure split is 70% owner-occupied to 30% rented. About 4,958 people live here, median age 43.

Overall, 61231 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 61231's 7/100 can be lined up against any neighbor in Mercer County, Illinois or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 61231 shows blanks, not estimates, wherever the record is sparse.

61231'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. Practically, 61231 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.