ZIP 35116 Foreclosure, Tax-Lien & Distress Report

In Jefferson County, Alabama, ZIP 35116 scores 28 of 100 for composite distress, a low level on DLRadar's distress index. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (75/100), FEMA disaster exposure (74/100). Its heaviest discrete signals: structural risk (61/100), institutional ownership (56/100), mortgage stress (24/100). mortgage stress (24/100) and construction/permit lag (7/100) stay muted. The latent-versus-live split is 61/100 structural and 7/100 already moving.

Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 21% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

4,912 residents call 35116 home, typically aged 37. Owners hold 92% of homes, renters 8%. About 32% have a four-year degree. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $237,000 (2.3× income, relatively affordable). Roughly 7.1% live below the poverty line, a low share typical of higher-equity areas. At $98,990, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 24/100. There are about 2,230 housing units across 35116. Around 40% of renters are cost-burdened.

On balance 35116 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 35116 is not published yet -- the ZIP-level readings above remain fully sourced.

The 35116 read uses the identical scoring model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 35116 stays directly comparable to neighboring ZIPs and the rest of Jefferson County, Alabama. The score is rebuilt from public data as it updates, so 35116 reflects the current record instead of a stale or modeled snapshot.

35116's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 35116 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.