ZIP 62351 Foreclosure, Tax-Lien & Distress Report

Adams County, Illinois's ZIP 62351 registers 19/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on construction/permit lag (85/100), structural risk (41/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. Structural risk reads 41/100 against active distress of 1/100. Environmental exposure also runs high (climate & FEMA risk (65/100)).

The expansion-phase market in 62351 posted values that rose 5.6% over the year, and 11% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 8.1%. 7.9% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 25/100. About 22% have a four-year degree. The tenure split is 88% owner-occupied to 12% rented. Home values center near $147,800, an affordability ratio of 2.0× — accessible. Around 43% of renters are cost-burdened. About 2,026 people live here, median age 37. Households earn a median $73,772 — near the roughly $78,000 national figure. There are about 823 housing units across 62351.

Net-net, 62351 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 62351 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 62351's 19/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 62351 reflects the current record instead of a stale or modeled snapshot.

62351's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 62351 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.