ZIP 62812 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 62812 (Franklin County, Illinois) at a low 17/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (78/100). Structural risk reads 37/100 against active distress of 1/100. The pressure is most legible in construction/permit lag (50/100), structural risk (37/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 13% higher over three years, at 34/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $54,820, below the U.S. median near $78,000. Vacancy runs 14.1%, above the national norm and a classic distress-and-opportunity signal. Roughly 14.7% live below the poverty line. Around 44% of renters are cost-burdened. There are about 5,704 housing units across 62812. Around 19% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 28/100. A median home runs $101,100 here, or 1.8 times local income. The tenure split is 72% owner-occupied to 28% rented. About 11,441 people live here, median age 42.

Taken together, 62812 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 62812 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 62812 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 62812, the field stays empty rather than modeled, and fills in as new documents post.

62812's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 62812 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.