ZIP 62628 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 62628 (Morgan County, Illinois) at a minimal 10/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (63/100)). Its standout signals are structural risk (20/100), mortgage stress (4/100), institutional ownership (3/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. Latent structural risk is 20/100 while live distress already moving reads 1/100.

Prices here sit in a expansion phase: values rose 5.7% over the trailing year, and 19% higher over three years, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 871 people live here, median age 41. Home values center near $114,000, an affordability ratio of 1.4× — accessible. Roughly 4.1% live below the poverty line, a low share typical of higher-equity areas. 88% of housing is owner-occupied. On demographic stress specifically, 62628 scores 18/100. Rent burden reaches 21% of tenant households. The vacancy rate is 6.9%. At $79,821, median income runs near typical U.S. levels. There are about 366 housing units across 62628. Around 25% of adults hold a bachelor's degree or higher.

Broadly, 62628 is a steadier market — the deals are the exceptions, not the rule. While 62628 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 62628 runs through one identical public-record model, so its 10/100 sits on the same scale as every other ZIP in Morgan County, Illinois and the nation. The score is rebuilt from public data as it updates, so 62628 reflects the current record instead of a stale or modeled snapshot.

Behind 62628's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 62628 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.