ZIP 35040 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 35040 (Shelby County, Alabama) returns a low composite of 28/100. Climate and flood risk are elevated too — climate & FEMA risk (85/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (71/100). What sets it apart are the readings on structural risk (61/100), institutional ownership (58/100), mortgage stress (23/100). mortgage stress (23/100) and construction/permit lag (23/100) stay muted. On the structural side it scores 61/100, with 7/100 of stress already active.

The market reads peak — home values rose 2.7% year on year, and 19% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

A median home runs $232,300 here, or 2.6 times local income. 80% of housing is owner-occupied. The vacancy rate is 6.8%. Around 48% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 27/100. About 34% have a four-year degree. There are about 7,818 housing units across 35040. The poverty rate is 7.5%. Population is roughly 18,819 with a median age of 33. At $80,267, median income runs near typical U.S. levels.

On balance 35040 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 35040 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 35040's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 35040, the field stays empty rather than modeled, and fills in as new documents post.

35040's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 35040 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.