ZIP 35540 Foreclosure, Tax-Lien & Distress Report

ZIP code 35540 in Winston County, Alabama carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (78/100). Latent structural risk is 32/100 while live distress already moving reads 6/100. Its standout signals are institutional ownership (43/100), structural risk (32/100), mortgage stress (21/100). By contrast, structural risk (32/100) and mortgage stress (21/100) register low.

The neutral-phase market in 35540 posted values that rose 5.0% over the year (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 18% of renters are cost-burdened. About 13% have a four-year degree. At $51,454, median income runs below typical U.S. levels. 2,092 residents call 35540 home, typically aged 44. Roughly 15.4% live below the poverty line. The typical home is worth about $119,500 (2.3× income, relatively affordable). The ZIP holds roughly 1,099 housing units. The tenure split is 84% owner-occupied to 16% rented. DLRadar's demographic-stress index for the area reads 25/100. Vacancy runs 20.5%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 35540 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 35540 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 35540's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 35540, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 35540'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. Practically, 35540 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.