ZIP 35111 Foreclosure, Tax-Lien & Distress Report

Jefferson County, Alabama's ZIP 35111 registers 28/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are structural risk (61/100), institutional ownership (58/100), mortgage stress (24/100). By contrast, mortgage stress (24/100) and construction/permit lag (15/100) register low. Latent structural risk is 61/100 while live distress already moving reads 7/100. Climate and flood risk are elevated too — climate & FEMA risk (92/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (70/100).

The market reads peak — home values rose 0.9% year on year, 1.2% off the recent peak, and 12% higher over three years (phase confidence 33/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 16% of tenant households. The poverty rate is 7.4% — low. Households earn a median $85,181 — near the roughly $78,000 national figure. Vacancy runs 4.2%. 20,661 residents call 35111 home, typically aged 39. The demographic-stress sub-score lands at 22/100. About 31% have a four-year degree. There are about 8,157 housing units across 35111. 93% of housing is owner-occupied. A median home runs $285,100 here, or 3.1 times local income.

Overall, 35111 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 35111 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 35111 runs through one identical public-record model, so its 28/100 sits on the same scale as every other ZIP in Jefferson County, Alabama and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 35111 shows blanks, not estimates, wherever the record is sparse.

The 28/100 for 35111 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, 35111 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.