ZIP 35045 Foreclosure, Tax-Lien & Distress Report

In Chilton County, Alabama, ZIP 35045 scores 21 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (FEMA disaster exposure (83/100), flood (NFIP) exposure (65/100)). On the structural side it scores 45/100, with 7/100 of stress already active. Its heaviest discrete signals: institutional ownership (55/100), structural risk (45/100), mortgage stress (23/100). By contrast, mortgage stress (23/100) register low.

The peak-phase market in 35045 posted values that rose 2.7% over the year, and 9% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $62,078 — below the roughly $78,000 national figure. A median home runs $181,500 here, or 2.6 times local income. Around 22% of renters are cost-burdened. The vacancy rate is 4.6%. Roughly 14.8% live below the poverty line. Educational attainment sits at 21% bachelor's-or-above. Population is roughly 15,078 with a median age of 39. The ZIP holds roughly 6,703 housing units. The demographic-stress sub-score lands at 26/100. The tenure split is 71% owner-occupied to 29% rented.

Overall, 35045 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 35045 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 35045 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 35045 shows blanks, not estimates, wherever the record is sparse.

The 21/100 for 35045 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 35045 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.