ZIP 35128 Property Distress & Foreclosure Data

Composite property distress in 35128 (St. Clair County, Alabama) lands at 31/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (69/100), structural risk (69/100), institutional ownership (59/100). mortgage stress (23/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (83/100), climate & FEMA risk (74/100), flood (NFIP) exposure (65/100). On the structural side it scores 69/100, with 7/100 of stress already active.

Prices here sit in a peak phase: values rose 2.9% over the trailing year, and 17% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $81,993, median income runs near typical U.S. levels. The vacancy rate is 11.7% — elevated. 84% of housing is owner-occupied. Around 29% of renters are cost-burdened. The demographic-stress sub-score lands at 26/100. Around 20% of adults hold a bachelor's degree or higher. 10,228 residents call 35128 home, typically aged 45. The typical home is worth about $247,400 (2.9× income, relatively affordable). The poverty rate is 8.5%. The ZIP holds roughly 4,803 housing units.

Overall, 35128 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.