ZIP 61865 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 61865 (Vermilion County, Illinois) returns a low composite of 22/100. Climate and flood risk are elevated too — climate & FEMA risk (77/100), flood (NFIP) exposure (61/100). The pressure is most legible in construction/permit lag (63/100), structural risk (51/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (4/100) register low. On the structural side it scores 51/100, with 1/100 of stress already active.

The market reads expansion — home values rose 5.7% year on year, and 4% higher over three years (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 9.3%. The ZIP holds roughly 521 housing units. The tenure split is 88% owner-occupied to 12% rented. Educational attainment sits at 17% bachelor's-or-above. Roughly 6.5% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 61865 scores 20/100. 1,161 residents call 61865 home, typically aged 42. Around 22% of renters are cost-burdened. The typical home is worth about $118,500 (1.4× income, relatively affordable). Median household income is $71,827, near the U.S. median near $78,000.

Net-net, 61865 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 61865 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 61865's 22/100 can be lined up against any neighbor in Vermilion County, Illinois or any ZIP coast to coast. Where the record is thin for 61865, the field stays empty rather than modeled, and fills in as new documents post.

The 22/100 figure for 61865 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. For an operator, 61865 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.