ZIP 62538 Foreclosure, Tax-Lien & Distress Report

ZIP code 62538 in Montgomery County, Illinois carries a composite property-distress score of 10/100 — a minimal reading on DLRadar's deterministic distress index. Structurally it carries 20/100, against 1/100 of stress already in motion. Its heaviest discrete signals: structural risk (20/100), mortgage stress (3/100), institutional ownership (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (63/100).

The market reads expansion — home values rose 5.4% year on year, at 34/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 132 housing units across 62538. A median home runs $86,700 here, or 1.2 times local income. At $71,875, median income runs near typical U.S. levels. Vacancy runs 8.3%. DLRadar's demographic-stress index for the area reads 20/100. Around 8% of renters are cost-burdened. 81% of housing is owner-occupied. Around 13% of adults hold a bachelor's degree or higher. About 444 people live here, median age 42. 12.6% of residents fall below the poverty threshold.

Net-net, 62538 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 62538 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 62538 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 10/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 62538, the field stays empty rather than modeled, and fills in as new documents post.

62538's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 62538 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.