ZIP 62264 Foreclosure, Tax-Lien & Distress Report

ZIP code 62264 in St. Clair County, Illinois carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. On the structural side it scores 75/100, with 6/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (93/100), flood (NFIP) exposure (86/100). Leading the profile are construction/permit lag (82/100), structural risk (75/100), institutional ownership (45/100). mortgage stress (21/100) stay muted.

The peak-phase market in 62264 posted values that rose 3.9% over the year, and 41% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $127,400, an affordability ratio of 2.2× — accessible. The tenure split is 78% owner-occupied to 22% rented. Population is roughly 3,152 with a median age of 40. Median household income is $61,174, below the U.S. median near $78,000. Vacancy runs 6.3%. The poverty rate is 9.4%. Educational attainment sits at 15% bachelor's-or-above. The ZIP holds roughly 1,384 housing units. Rent burden reaches 30% of tenant households. The demographic-stress sub-score lands at 25/100.

Overall, 62264 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 62264 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 62264 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 62264 reflects the current record instead of a stale or modeled snapshot.

The 33/100 figure for 62264 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, 62264 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.