ZIP 35176 Foreclosure, Tax-Lien & Distress Report

Shelby County, Alabama's ZIP 35176 registers 29/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (91/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (72/100)). Its heaviest discrete signals: structural risk (64/100), institutional ownership (58/100), construction/permit lag (24/100). On the quiet end sit construction/permit lag (24/100) and mortgage stress (22/100). Structural exposure scores 64 and live distress 7 on the 0–100 scale.

The peak-phase market in 35176 posted values that rose 2.7% over the year, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

Home values center near $94,500, an affordability ratio of 3.1× — accessible. On demographic stress specifically, 35176 scores 34/100. Population is roughly 618 with a median age of 53. The vacancy rate is 0.0%. Roughly 19.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 55% of renters are cost-burdened. 65% of housing is owner-occupied. There are about 302 housing units across 35176. Around 8% of adults hold a bachelor's degree or higher. Households earn a median $36,771 — below the roughly $78,000 national figure.

Net-net, 35176 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 35176 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 35176 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 35176 shows blanks, not estimates, wherever the record is sparse.

Behind 35176's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 35176 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.