ZIP 35131 Property Distress & Foreclosure Data

DLRadar grades ZIP 35131 (St. Clair County, Alabama) at a moderate 32/100 for overall property distress. Property-level stress concentrates in construction/permit lag (71/100), structural risk (70/100), 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 70/100, with 7/100 of stress already active.

Prices here sit in a peak phase: values rose 2.9% over the trailing year, and 58% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 18.4% — elevated. Around 39% of renters are cost-burdened. At $42,344, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 31/100. Around 11% of adults hold a bachelor's degree or higher. 3,161 residents call 35131 home, typically aged 48. The poverty rate is 25.6% — high, a tax-stress and distress correlate. The ZIP holds roughly 1,654 housing units. The typical home is worth about $96,800 (2.3× income, relatively affordable). 77% of housing is owner-occupied.

Taken together, 35131 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.