ZIP 35128 Foreclosure, Tax-Lien & Distress Report

ZIP 35128's composite property-distress score is 30/100 - DLRadar classes that as moderate for St. Clair County, Alabama. Leading the profile are structural risk (66/100), construction/permit lag (59/100), institutional ownership (57/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100), climate & FEMA risk (74/100), flood (NFIP) exposure (65/100). The split runs 66/100 structural to 7/100 active on the ground.

The market reads peak — home values rose 2.7% year on year, and 17% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $81,993 — near the roughly $78,000 national figure. The vacancy rate is 11.7% — elevated. The tenure split is 84% owner-occupied to 16% rented. Rent burden reaches 29% of tenant households. The demographic-stress sub-score lands at 26/100. Around 20% of adults hold a bachelor's degree or higher. About 10,228 people live here, median age 45. A median home runs $247,400 here, or 2.9 times local income. Roughly 8.5% live below the poverty line. The ZIP holds roughly 4,803 housing units.

Overall, 35128 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 35128 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 35128's 30/100 can be lined up against any neighbor in St. Clair County, Alabama or any ZIP coast to coast. Where the public record is thin for 35128, the field stays empty rather than modeled, and fills in as new documents post.

35128'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 a buyer, 35128 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.