ZIP 35621 Property Distress & Foreclosure Data

In Morgan County, Alabama, ZIP 35621 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (53/100), institutional ownership (45/100), construction/permit lag (37/100). By contrast, construction/permit lag (37/100) and mortgage stress (18/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (88/100), FEMA disaster exposure (83/100). The latent-versus-live split is 53/100 structural and 5/100 already moving.

The market reads contraction — home values fell 0.8% year on year, 3.5% off the recent peak, and 64% higher over three years (phase confidence 55/100). A cooling market tends to open discount-to-value windows.

Around 57% of renters are cost-burdened. The ZIP holds roughly 1,503 housing units. DLRadar's demographic-stress index for the area reads 27/100. Educational attainment sits at 28% bachelor's-or-above. 9.2% of residents fall below the poverty threshold. 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. Owners hold 89% of homes, renters 11%. The vacancy rate is 8.1%.

Net-net, 35621 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.