ZIP 35235 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 35235 (Jefferson County, Alabama) at a low 28/100 for overall property distress. Structural exposure scores 61 and live distress 7 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (75/100), FEMA disaster exposure (74/100). Its heaviest discrete signals: structural risk (61/100), institutional ownership (56/100), mortgage stress (24/100). By contrast, mortgage stress (24/100) and construction/permit lag (7/100) register low.

The market reads peak — home values rose 2.7% year on year, and 8% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

19,600 residents call 35235 home, typically aged 38. 67% of housing is owner-occupied. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. About 27% have a four-year degree. The demographic-stress sub-score lands at 33/100. Households earn a median $57,244 — below the roughly $78,000 national figure. There are about 9,308 housing units across 35235. Roughly 21.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Home values center near $194,500, an affordability ratio of 2.9× — accessible. Rent burden reaches 50% of tenant households.

On the whole, 35235 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 35235's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 35235 reflects the current record instead of a stale or modeled snapshot.

Behind 35235'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 35235 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.