ZIP 35046 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 35046 (Chilton County, Alabama) returns a low composite of 19/100. On the structural side it scores 40/100, with 7/100 of stress already active. Leading the profile are institutional ownership (54/100), structural risk (40/100), mortgage stress (22/100). mortgage stress (22/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100).

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 7% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 5,229 people live here, median age 40. The ZIP holds roughly 2,560 housing units. Rent burden reaches 30% of tenant households. The tenure split is 83% owner-occupied to 17% rented. Vacancy runs 28.5%, above the national norm and a classic distress-and-opportunity signal. 13.3% of residents fall below the poverty threshold. Around 13% of adults hold a bachelor's degree or higher. Median household income is $67,813, below the U.S. median near $78,000. The typical home is worth about $170,300 (2.3× income, relatively affordable). The demographic-stress sub-score lands at 28/100.

Taken together, 35046 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 35046 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 35046's 19/100 can be lined up against any neighbor in Chilton County, Alabama or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 35046 shows blanks, not estimates, wherever the record is sparse.

Each component behind 35046 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. Practically, 35046 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.