ZIP 61864 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 61864 (Champaign County, Illinois) returns a low composite of 18/100. Climate and flood risk are elevated too — climate & FEMA risk (90/100). The split runs 39/100 structural to 2/100 active on the ground. Property-level stress concentrates in structural risk (39/100), institutional ownership (14/100), mortgage stress (7/100). institutional ownership (14/100) and mortgage stress (7/100) stay muted.

The market reads peak — home values rose 4.0% year on year, and 38% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $91,827, above the U.S. median near $78,000. Rent burden reaches 5% of tenant households. Vacancy runs 7.1%. The ZIP holds roughly 680 housing units. Educational attainment sits at 29% bachelor's-or-above. On demographic stress specifically, 61864 scores 19/100. Roughly 6.0% live below the poverty line, a low share typical of higher-equity areas. Population is roughly 1,714 with a median age of 35. The tenure split is 88% owner-occupied to 12% rented. The typical home is worth about $230,000 (2.2× income, relatively affordable).

On balance, 61864 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 61864 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 61864's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 61864 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 18/100 figure for 61864 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, 61864 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.