ZIP 35085 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 35085 (Chilton County, Alabama) at a low 21/100 for overall property distress. The most distinctive pressure shows up in institutional ownership (55/100), structural risk (45/100), mortgage stress (23/100). On the quiet end sit mortgage stress (23/100). Climate and flood risk are elevated too — FEMA disaster exposure (83/100), flood (NFIP) exposure (65/100). Latent structural risk is 45/100 while live distress already moving reads 7/100.

The peak-phase market in 35085 posted values that rose 2.7% over the year, and 17% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 10.3%. 78% of housing is owner-occupied. The poverty rate is 8.4%. About 12% have a four-year degree. DLRadar's demographic-stress index for the area reads 25/100. Home values center near $143,500, an affordability ratio of 2.0× — accessible. Households earn a median $61,845 — below the roughly $78,000 national figure. Population is roughly 8,786 with a median age of 38. Rent burden reaches 28% of tenant households. The ZIP holds roughly 3,448 housing units.

Net-net, 35085 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 35085 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 35085 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 35085 stays directly comparable to neighboring ZIPs and the rest of Chilton County, Alabama. Nothing here is interpolated — where a source is thin for 35085, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 21/100 for 35085 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 35085 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.