ZIP 35120 Property Distress & Foreclosure Data

ZIP code 35120 in St. Clair County, Alabama carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), climate & FEMA risk (74/100), flood (NFIP) exposure (65/100). On the structural side it scores 70/100, with 7/100 of stress already active. What sets it apart are the readings on construction/permit lag (71/100), structural risk (70/100), institutional ownership (59/100). By contrast, mortgage stress (23/100) register low.

The market reads peak — home values rose 2.9% year on year, and 13% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

DLRadar's demographic-stress index for the area reads 29/100. 12.4% of residents fall below the poverty threshold. The ZIP holds roughly 6,733 housing units. Educational attainment sits at 19% bachelor's-or-above. Owners hold 84% of homes, renters 16%. About 17,735 people live here, median age 36. Median household income is $80,279, near the U.S. median near $78,000. Home values center near $221,800, an affordability ratio of 2.6× — accessible. Around 46% of renters are cost-burdened. 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.