ZIP 35146 Foreclosure, Tax-Lien & Distress Report
St. Clair County, Alabama · Distress market
ZIP 35146's composite property-distress score is 29/100 - DLRadar classes that as low for St. Clair County, Alabama. Environmental exposure also runs high (FEMA disaster exposure (78/100), climate & FEMA risk (73/100), flood (NFIP) exposure (64/100)). The latent-versus-live split is 64/100 structural and 7/100 already moving. The pressure is most legible in structural risk (64/100), institutional ownership (57/100), construction/permit lag (54/100). mortgage stress (22/100) stay muted.
Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 17% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.
At $83,438, median income runs near typical U.S. levels. The poverty rate is 6.1% — low. The ZIP holds roughly 4,983 housing units. The typical home is worth about $267,800 (3.1× income, relatively affordable). 13,283 residents call 35146 home, typically aged 41. Educational attainment sits at 25% bachelor's-or-above. Owners hold 86% of homes, renters 14%. The demographic-stress sub-score lands at 24/100. Around 22% of renters are cost-burdened. The vacancy rate is 3.4%.
On balance 35146 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 35146 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 35146's 29/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 35146, the field stays empty rather than modeled, and fills in as new documents post.
The 29/100 for 35146 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 35146 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
ZIP 35146 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 35146 distress snapshot
35146 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Other St. Clair County ZIP codes
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Deterministic scoring, sourced entirely from public data · methodology