ZIP 61412 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 61412 (Mercer County, Illinois) lands at 13/100 — minimal on DLRadar's public-record scoring. The most distinctive pressure shows up in construction/permit lag (97/100), structural risk (30/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. Structurally it carries 30/100, against 1/100 of stress already in motion.

The peak-phase market in 61412 posted values that rose 4.5% over the year, and 5% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 6.5%. There are about 596 housing units across 61412. A median home runs $117,600 here, or 1.4 times local income. 90% of housing is owner-occupied. Rent burden reaches 22% of tenant households. The demographic-stress sub-score lands at 18/100. 1,310 residents call 61412 home, typically aged 48. Roughly 3.2% live below the poverty line, a low share typical of higher-equity areas. At $79,087, median income runs near typical U.S. levels. Educational attainment sits at 26% bachelor's-or-above.

Overall 61412 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 61412's 13/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 61412 shows blanks, not estimates, wherever the record is sparse.

Each component behind 61412 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 13/100 roll-up. Treat 61412 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.