ZIP 35051 Foreclosure, Tax-Lien & Distress Report

In Shelby County, Alabama, ZIP 35051 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 64 and live distress 7 on the 0–100 scale. Its heaviest discrete signals: structural risk (64/100), institutional ownership (58/100), construction/permit lag (24/100). On the quiet end sit construction/permit lag (24/100) and mortgage stress (22/100). It additionally carries heavy environmental risk: climate & FEMA risk (91/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (72/100).

The market reads peak — home values rose 2.7% year on year, and 15% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

79% of housing is owner-occupied. Vacancy runs 4.5%. Households earn a median $73,682 — near the roughly $78,000 national figure. Around 39% of renters are cost-burdened. 10,101 residents call 35051 home, typically aged 42. Educational attainment sits at 20% bachelor's-or-above. The ZIP holds roughly 3,179 housing units. The poverty rate is 14.8%. The typical home is worth about $250,000 (3.4× income, relatively affordable). On demographic stress specifically, 35051 scores 30/100.

On balance 35051 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.

Because one deterministic model scores every ZIP, 35051's 29/100 can be lined up against any neighbor in Shelby County, Alabama or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 35051 reflects the current record instead of a stale or modeled snapshot.

35051's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 35051 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.