ZIP 35020 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 35020 in Jefferson County, Alabama comes in at 29, a low composite-distress reading. On the structural side it scores 61/100, with 7/100 of stress already active. Its standout signals are structural risk (61/100), institutional ownership (59/100), mortgage stress (24/100). mortgage stress (24/100) and construction/permit lag (5/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (75/100).

Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 3% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

25,308 residents call 35020 home, typically aged 41. There are about 12,291 housing units across 35020. Vacancy runs 18.3%, above the national norm and a classic distress-and-opportunity signal. At $33,247, median income runs below typical U.S. levels. 56% of housing is owner-occupied. 34.9% of residents fall below the poverty threshold. Around 10% of adults hold a bachelor's degree or higher. Rent burden reaches 47% of tenant households. Home values center near $91,200, an affordability ratio of 2.7× — accessible. The demographic-stress sub-score lands at 38/100.

Net-net, 35020 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 35020 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 35020 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 35020 can be compared directly against any other ZIP in Jefferson County, Alabama or nationwide. Nothing here is interpolated — where a source is thin for 35020, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 35020 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. For an operator, 35020 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.