ZIP 62204 Foreclosure, Tax-Lien & Distress Report

In St. Clair County, Illinois, ZIP 62204 scores 35 of 100 for composite distress, a moderate level on DLRadar's distress index. Structurally it carries 78/100, against 6/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (85/100), FEMA disaster exposure (62/100). Property-level stress concentrates in construction/permit lag (80/100), structural risk (78/100), institutional ownership (51/100). By contrast, mortgage stress (21/100) register low.

The market reads peak — home values rose 3.9% year on year (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

4,824 residents call 62204 home, typically aged 37. Owners hold 69% of homes, renters 31%. The ZIP holds roughly 3,080 housing units. Educational attainment sits at 8% bachelor's-or-above. The typical home is worth about $47,800 (1.3× income, relatively affordable). At $36,789, median income runs below typical U.S. levels. Rent burden reaches 62% of tenant households. On demographic stress specifically, 62204 scores 36/100. Vacancy runs 40.3%, above the national norm and a classic distress-and-opportunity signal. 28.5% of residents fall below the poverty threshold.

Net-net, 62204 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 62204 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 62204 runs through one identical scoring model, so its 35/100 sits on the same scale as every other ZIP in St. Clair County, Illinois and the nation. Every figure is auditable to a public dataset and refreshed as records update; 62204 shows blanks, not estimates, wherever the record is sparse.

The 35/100 figure for 62204 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, 62204 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.