ZIP 62095 Foreclosure, Tax-Lien & Distress Report

In Madison County, Illinois, ZIP 62095 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (68/100). The sharpest non-environmental signals are structural risk (44/100), institutional ownership (16/100), construction/permit lag (10/100). By contrast, construction/permit lag (10/100) and mortgage stress (7/100) register low. The latent-versus-live split is 44/100 structural and 2/100 already moving.

The peak-phase market in 62095 posted values that rose 3.9% over the year, and 17% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 70% owner-occupied to 30% rented. A median home runs $111,000 here, or 1.6 times local income. The demographic-stress sub-score lands at 26/100. Around 16% of adults hold a bachelor's degree or higher. About 10,780 people live here, median age 38. Roughly 12.5% live below the poverty line. Vacancy runs 10.0%. At $66,641, median income runs below typical U.S. levels. The ZIP holds roughly 5,316 housing units. Rent burden reaches 40% of tenant households.

Overall, 62095 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 62095 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 62095 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 62095 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 62095 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. For an operator, 62095 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.