ZIP 62704 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 62704 (Sangamon County, Illinois) at a low 23/100 for overall property distress. The pressure is most legible in construction/permit lag (75/100), structural risk (50/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100). Latent structural risk is 50/100 while live distress already moving reads 1/100. It additionally carries heavy environmental risk: climate & FEMA risk (92/100).

The market reads expansion — home values rose 5.2% year on year, and 20% higher over three years, at 27/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $172,600, an affordability ratio of 2.5× — accessible. 13.3% of residents fall below the poverty threshold. Households earn a median $66,352 — below the roughly $78,000 national figure. Around 33% of renters are cost-burdened. Vacancy runs 9.6%. Population is roughly 39,597 with a median age of 41. DLRadar's demographic-stress index for the area reads 26/100. 62% of housing is owner-occupied. Around 42% of adults hold a bachelor's degree or higher. The ZIP holds roughly 20,786 housing units.

Overall, 62704 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 62704 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: 62704 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 62704, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 62704'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. For an operator, 62704 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.