ZIP 35004 Foreclosure, Tax-Lien & Distress Report

ZIP code 35004 in St. Clair County, Alabama carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic distress index. Environmental exposure also runs high (climate & FEMA risk (74/100), FEMA disaster exposure (74/100), flood (NFIP) exposure (62/100)). Its heaviest discrete signals: structural risk (64/100), construction/permit lag (58/100), institutional ownership (53/100). By contrast, mortgage stress (23/100) register low. Structurally it carries 64/100, against 7/100 of stress already in motion.

The market reads peak — home values rose 2.7% year on year, and 2% higher over three years (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

76% of housing is owner-occupied. On demographic stress specifically, 35004 scores 25/100. About 11,558 people live here, median age 41. There are about 5,076 housing units across 35004. The vacancy rate is 3.7%. Around 23% of adults hold a bachelor's degree or higher. The typical home is worth about $232,700 (2.6× income, relatively affordable). Roughly 8.5% live below the poverty line. Around 33% of renters are cost-burdened. Median household income is $85,344, near the U.S. median near $78,000.

Net-net, 35004 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 35004 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 35004 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 35004, the field stays empty rather than modeled, and fills in as new documents post.

35004's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 35004 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.