ZIP 35054 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 35054 (St. Clair County, Alabama) at a moderate 30/100 for overall property distress. Property-level stress concentrates in structural risk (66/100), construction/permit lag (60/100), institutional ownership (57/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100), climate & FEMA risk (74/100), flood (NFIP) exposure (64/100). Structural risk reads 66/100 against active distress of 7/100.

Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 29% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

Median household income is $80,082, near the U.S. median near $78,000. 14.3% of residents fall below the poverty threshold. Population is roughly 4,954 with a median age of 50. The vacancy rate is 14.1% — elevated. The demographic-stress sub-score lands at 30/100. About 20% have a four-year degree. 88% of housing is owner-occupied. A median home runs $347,700 here, or 3.4 times local income. Rent burden reaches 37% of tenant households. There are about 1,900 housing units across 35054.

Net-net, 35054 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 35054 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 35054 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in St. Clair County, Alabama and the nation. Sparse data for 35054 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 35054'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 35054 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.