ZIP 35221 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 35221 (Jefferson County, Alabama) at a low 29/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (75/100). Structural risk reads 61/100 against active distress of 7/100. Its standout signals are structural risk (61/100), institutional ownership (59/100), mortgage stress (24/100). By contrast, mortgage stress (24/100) and construction/permit lag (5/100) register low.

The peak-phase market in 35221 posted values that rose 2.7% over the year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $39,750, median income runs below typical U.S. levels. The typical home is worth about $73,500 (1.8× income, relatively affordable). The poverty rate is 20.3% — high, a tax-stress and distress correlate. Around 13% of adults hold a bachelor's degree or higher. On demographic stress specifically, 35221 scores 31/100. Population is roughly 3,127 with a median age of 53. Around 44% of renters are cost-burdened. 65% of housing is owner-occupied. Vacancy runs 30.4%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 2,205 housing units.

Net-net, 35221 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 35221 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 35221 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 35221 can be compared directly against any other ZIP in Jefferson County, Alabama or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 35221 shows blanks, not estimates, wherever the record is sparse.

Behind 35221'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 35221 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.