ZIP 35131 Foreclosure, Tax-Lien & Distress Report
St. Clair County, Alabama · High Vacancy market
ZIP code 35131 in St. Clair County, Alabama carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic distress index. Its standout signals are structural risk (64/100), construction/permit lag (58/100), institutional ownership (53/100). mortgage stress (23/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (74/100), FEMA disaster exposure (74/100), flood (NFIP) exposure (62/100)). Latent structural risk is 64/100 while live distress already moving reads 7/100.
The market reads peak — home values rose 2.7% year on year, and 58% higher over three years (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The vacancy rate is 18.4% — elevated. Around 39% of renters are cost-burdened. Households earn a median $42,344 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 31/100. Around 11% of adults hold a bachelor's degree or higher. About 3,161 people live here, median age 48. Roughly 25.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 1,654 housing units across 35131. Home values center near $96,800, an affordability ratio of 2.3× — accessible. Owners hold 77% of homes, renters 23%.
Net-net, 35131 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 35131 is not published yet -- the ZIP-level readings above remain fully sourced.
Big metro or rural, 35131 runs through one identical scoring model, so its 29/100 sits on the same scale as every other ZIP in St. Clair County, Alabama and the nation. Every figure is auditable to a public dataset and refreshed as records update; 35131 shows blanks, not estimates, wherever the record is sparse.
The 29/100 figure for 35131 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 35131 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 35131
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
35131 at a glance
35131 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
St. Clair County ZIPs near 35131
Nearest ZIP codes to 35131
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Alabama distress
Other reports tied to St. Clair County, Alabama — ZIP, county and statewide.
Get the full acquisition report for 35131
The full 35131 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Each signal above is traceable to an open dataset · methodology