ZIP 35616 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 35616 (Colbert County, Alabama) lands at 31/100 — moderate on DLRadar's public-record scoring. The most distinctive pressure shows up in structural risk (68/100), construction/permit lag (59/100), institutional ownership (58/100). By contrast, mortgage stress (24/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (68/100). Structurally it carries 68/100, against 7/100 of stress already in motion.

The expansion-phase market in 35616 posted values that rose 8.4% over the year, and 8% higher over three years (phase confidence 90/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Roughly 27.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 13% of adults hold a bachelor's degree or higher. At $47,083, median income runs below typical U.S. levels. Rent burden reaches 63% of tenant households. 73% of housing is owner-occupied. The typical home is worth about $100,500 (2.0× income, relatively affordable). There are about 2,043 housing units across 35616. The demographic-stress sub-score lands at 35/100. Population is roughly 3,681 with a median age of 45. The vacancy rate is 20.6% — elevated.

Net-net, 35616 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 35616 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 35616 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 31/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 35616 shows blanks, not estimates, wherever the record is sparse.

The 31/100 for 35616 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 35616 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.