ZIP 35124 Foreclosure, Tax-Lien & Distress Report

Shelby County, Alabama's ZIP 35124 registers 30/100 composite distress, which DLRadar reads as moderate. The most distinctive pressure shows up in structural risk (64/100), institutional ownership (56/100), construction/permit lag (25/100). construction/permit lag (25/100) and mortgage stress (22/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), FEMA disaster exposure (87/100), flood (NFIP) exposure (70/100). The split runs 64/100 structural to 7/100 active on the ground.

Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 11% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $91,513, above the U.S. median near $78,000. The demographic-stress sub-score lands at 23/100. Around 34% of renters are cost-burdened. The ZIP holds roughly 10,176 housing units. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. About 50% have a four-year degree. The tenure split is 84% owner-occupied to 16% rented. Vacancy runs 2.5%. The typical home is worth about $307,600 (3.1× income, relatively affordable). 24,871 residents call 35124 home, typically aged 42.

Net-net, 35124 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 35124 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 35124's 30/100 can be lined up against any neighbor in Shelby County, Alabama or any ZIP coast to coast. 35124 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

35124's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 35124 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.