ZIP 35115 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 35115 (Shelby County, Alabama) at a low 26/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), FEMA disaster exposure (74/100), flood (NFIP) exposure (67/100). Structurally it carries 58/100, against 7/100 of stress already in motion. What sets it apart are the readings on structural risk (58/100), institutional ownership (54/100), construction/permit lag (23/100). On the quiet end sit construction/permit lag (23/100) and mortgage stress (22/100).

The peak-phase market in 35115 posted values that rose 2.7% over the year, and 18% higher over three years (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 6,474 housing units across 35115. The typical home is worth about $179,000 (3.1× income, relatively affordable). 17.4% of residents fall below the poverty threshold. The tenure split is 72% owner-occupied to 28% rented. Rent burden reaches 33% of tenant households. DLRadar's demographic-stress index for the area reads 30/100. About 22% have a four-year degree. About 16,911 people live here, median age 32. Households earn a median $54,157 — below the roughly $78,000 national figure. Vacancy runs 7.9%.

On balance 35115 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 35115 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 35115 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 35115 stays directly comparable to neighboring ZIPs and the rest of Shelby County, Alabama. 35115 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 figure for 35115 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 35115 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.