ZIP 61845 Foreclosure, Tax-Lien & Distress Report

In Champaign County, Illinois, ZIP 61845 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. The latent-versus-live split is 36/100 structural and 2/100 already moving. What sets it apart are the readings on structural risk (36/100), institutional ownership (13/100), mortgage stress (6/100). On the quiet end sit institutional ownership (13/100) and mortgage stress (6/100). It additionally carries heavy environmental risk: climate & FEMA risk (84/100).

The market reads peak — home values rose 4.0% year on year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 226 with a median age of 57. A median home runs $262,500 here, or 1.9 times local income. The ZIP holds roughly 128 housing units. 1.8% of residents fall below the poverty threshold. Vacancy runs 17.5%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $91,875 — above the roughly $78,000 national figure. Around 0% of renters are cost-burdened. About 27% have a four-year degree. The tenure split is 71% owner-occupied to 29% rented. The demographic-stress sub-score lands at 18/100.

Net-net, 61845 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 61845 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 61845 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 61845, the field stays empty rather than modeled, and fills in as new documents post.

61845's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 61845 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.