ZIP 35186 Foreclosure, Tax-Lien & Distress Report
Shelby County, Alabama · Distress market
In Shelby County, Alabama, ZIP 35186 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in 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). It additionally carries heavy environmental risk: climate & FEMA risk (91/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (72/100). Structurally it carries 64/100, against 7/100 of stress already in motion.
The market reads peak — home values rose 2.7% year on year, and 10% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.
Median household income is $92,723, above the U.S. median near $78,000. 9.6% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 25/100. The ZIP holds roughly 2,140 housing units. 81% of housing is owner-occupied. Around 25% of adults hold a bachelor's degree or higher. Rent burden reaches 19% of tenant households. Home values center near $304,300, an affordability ratio of 3.1× — accessible. The vacancy rate is 8.0%. About 5,121 people live here, median age 47.
Overall, 35186 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 35186 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
The number is not local guesswork: 35186's 29/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 35186 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 29/100 for 35186 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 35186 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 35186
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 35186 Stress Report snapshot
The live 35186 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Shelby County ZIPs near 35186
Keep exploring Alabama distress
Related ZIP, county and statewide reads linked to Shelby County, Alabama.
See every distressed parcel in 35186
Get every distressed property in 35186 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click funding + closing path. Nationwide, refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology