ZIP 62638 Foreclosure, Tax-Lien & Distress Report

ZIP 62638's composite property-distress score is 11/100 - DLRadar classes that as minimal for Morgan County, Illinois. Climate and flood risk are elevated too — climate & FEMA risk (71/100). Latent structural risk is 22/100 while live distress already moving reads 1/100. Property-level stress concentrates in structural risk (22/100), mortgage stress (4/100), institutional ownership (3/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 15% higher over three years (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Educational attainment sits at 15% bachelor's-or-above. There are about 577 housing units across 62638. Households earn a median $80,395 — near the roughly $78,000 national figure. The vacancy rate is 15.1% — elevated. Rent burden reaches 3% of tenant households. The typical home is worth about $130,100 (1.5× income, relatively affordable). On demographic stress specifically, 62638 scores 19/100. The tenure split is 78% owner-occupied to 22% rented. The poverty rate is 5.8% — low. Population is roughly 1,326 with a median age of 51.

Taken together, 62638 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 62638 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 62638 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 11/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 62638 reflects the current record instead of a stale or modeled snapshot.

The 11/100 figure for 62638 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, 62638 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.