ZIP 35120 Foreclosure, Tax-Lien & Distress Report

In St. Clair County, Alabama, ZIP 35120 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100), climate & FEMA risk (74/100), flood (NFIP) exposure (64/100). Structural exposure scores 66 and live distress 7 on the 0–100 scale. Property-level stress concentrates in structural risk (66/100), construction/permit lag (60/100), institutional ownership (57/100). By contrast, mortgage stress (23/100) register low.

The peak-phase market in 35120 posted values that rose 2.7% over the year, and 13% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

On demographic stress specifically, 35120 scores 29/100. 12.4% of residents fall below the poverty threshold. There are about 6,733 housing units across 35120. About 19% have a four-year degree. Owners hold 84% of homes, renters 16%. About 17,735 people live here, median age 36. Households earn a median $80,279 — near the roughly $78,000 national figure. A median home runs $221,800 here, or 2.6 times local income. Rent burden reaches 46% of tenant households. The vacancy rate is 6.3%.

Net-net, 35120 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 35120 at the moment; the composite and its components are still built from verifiable public records.

The 35120 read uses the identical public-record model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 35120 stays directly comparable to neighboring ZIPs and the rest of St. Clair County, Alabama. The score is rebuilt from public data as it updates, so 35120 reflects the current record instead of a stale or modeled snapshot.

Each component behind 35120 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. In workflow terms, 35120 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.