ZIP 35022 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 35022 (Jefferson County, Alabama) returns a low composite of 29/100. Structural exposure scores 61 and live distress 7 on the 0–100 scale. Its heaviest discrete signals: structural risk (61/100), institutional ownership (59/100), mortgage stress (24/100). mortgage stress (24/100) and construction/permit lag (5/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (97/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (75/100).

The market reads peak — home values rose 2.7% year on year, and 14% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

23,989 residents call 35022 home, typically aged 43. Median household income is $79,084, near the U.S. median near $78,000. Home values center near $258,900, an affordability ratio of 3.0× — accessible. On demographic stress specifically, 35022 scores 28/100. The tenure split is 81% owner-occupied to 19% rented. Around 46% of renters are cost-burdened. Vacancy runs 7.8%. There are about 10,398 housing units across 35022. Around 34% of adults hold a bachelor's degree or higher. The poverty rate is 10.5%.

On balance 35022 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 35022's 29/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 35022 reflects the current record instead of a stale or modeled snapshot.

Behind 35022'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. The point of the 35022 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.