ZIP 35621 Foreclosure, Tax-Lien & Distress Report

ZIP 35621's composite property-distress score is 21/100 - DLRadar classes that as low for Morgan County, Alabama. Leading the profile are institutional ownership (43/100), structural risk (43/100), mortgage stress (18/100). On the quiet end sit mortgage stress (18/100). Environmental exposure also runs high (climate & FEMA risk (88/100), FEMA disaster exposure (78/100)). Structurally it carries 43/100, against 5/100 of stress already in motion.

The peak-phase market in 35621 posted values that rose 1.3% over the year, and 64% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 57% of renters are cost-burdened. The ZIP holds roughly 1,503 housing units. On demographic stress specifically, 35621 scores 27/100. Educational attainment sits at 28% bachelor's-or-above. The poverty rate is 9.2%. Home values center near $214,000, an affordability ratio of 2.3× — accessible. Median household income is $82,167, near the U.S. median near $78,000. About 3,292 people live here, median age 35. 89% of housing is owner-occupied. The vacancy rate is 8.1%.

Overall, 35621 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 35621 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 35621 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 35621, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 35621'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. For an operator, 35621 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.