ZIP 35096 Foreclosure, Tax-Lien & Distress Report

ZIP 35096's composite property-distress score is 31/100 - DLRadar classes that as moderate for Talladega County, Alabama. The sharpest non-environmental signals are structural risk (69/100), institutional ownership (61/100), construction/permit lag (47/100). On the quiet end sit mortgage stress (25/100). Latent structural risk is 69/100 while live distress already moving reads 7/100. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100), climate & FEMA risk (82/100), FEMA disaster exposure (78/100).

The neutral-phase market in 35096 posted values that rose 4.2% over the year, and 6% higher over three years (phase confidence 23/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The tenure split is 91% owner-occupied to 9% rented. Around 27% of renters are cost-burdened. On demographic stress specifically, 35096 scores 25/100. About 18% have a four-year degree. At $74,650, median income runs near typical U.S. levels. There are about 4,136 housing units across 35096. The poverty rate is 10.5%. About 9,201 people live here, median age 39. The typical home is worth about $186,700 (2.4× income, relatively affordable). Vacancy runs 17.0%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 35096 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 35096 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 35096 runs hot or quiet, its 31/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 35096 can be compared directly against any other ZIP in Talladega County, Alabama or nationwide. Sparse data for 35096 shows as blanks, never estimates, and the score updates on every fresh public filing.

35096's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 35096 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.