Clay County, AL: Foreclosures, Tax Liens & Distressed Properties

Clay County, Alabama sits inside DLRadar's nationwide distress index, built entirely from public records. Across its ZIPs, composite distress spans 16 to 30 out of 100. The county spans 12 scored ZIP codes, averaging 22/100 composite distress. County-level credit and bank headwind reads 76/100 — elevated, a sign of lender stress locally.

Currently expansion, Clay County saw prices rise 5.0% year over year, at 34/100 phase confidence. Even as prices climb, specific ZIPs still slip even as the headline looks strong.

At +5.0% YoY (34/100 confidence), distress still hides in specific ZIPs where the scoring still flags pressure. Bank stress at 76/100 is a buyer tailwind: short sales and foreclosures accelerate.

Top distress by ZIP runs 35150 (30/100), 36268 (29/100), 35160 (27/100), 35082 (21/100), 36251 (21/100), 36256 (21/100), listed with every scored ZIP below. Further scored ZIPs: 36266, 36267, 36255, 36258, 36276, 35072.

Underneath the scores, the Clay County ZIPs on file come in at a 16.7% poverty rate, a 15.2% vacancy rate, a median household income near $49,220 (below the US norm), 80% owner-occupancy, a median age of 39.9, median home values around $144,380 (below the national figure). These fundamentals drive the depth of motivated supply and the pace of resale.

Net of it all, 22/100 over 12 ZIPs means distress here is parcel-specific where the ZIP scores point. Inside DLRadar, each Clay County property carries owner, mailing address, APN, a parcel-level score plus bank exposure and liquidity read.

Whether Clay County, Alabama carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Clay County can be compared directly against any county in the country.

The practical read on Clay County, Alabama is a targeting one — find the ZIPs holding real financial pressure, then work the parcels underneath them. These Clay County numbers come straight from public filings and refresh as new ones post; a missing source produces a blank field, never an estimate.

Drilling in, Clay County's highest-scoring ZIPs are 35150 (30/100), 36268 (29/100), 35160 (27/100), 35082 (21/100), 36251 (21/100), 36256 (21/100). DLRadar also scores 36266, 36267, 36255, 36258, 36276, 35072 across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

The Clay County score is not a single measure but a composite: foreclosure activity, mortgage and tax-lien stress, and local lender headwind each feed it, which is why understanding the components matters as much as the headline number.