ZIP 35622 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 35622 in Morgan County, Alabama comes in at 21, a low composite-distress reading. The latent-versus-live split is 43/100 structural and 5/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (87/100), FEMA disaster exposure (78/100). Leading the profile are institutional ownership (43/100), structural risk (43/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) register low.

The market reads peak — home values rose 1.6% year on year, and 8% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

79% of housing is owner-occupied. 20.0% of residents fall below the poverty threshold. There are about 2,765 housing units across 35622. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. About 6,532 people live here, median age 38. The demographic-stress sub-score lands at 33/100. Educational attainment sits at 12% bachelor's-or-above. Around 46% of renters are cost-burdened. The typical home is worth about $189,500 (3.3× income, relatively affordable). At $53,354, median income runs below typical U.S. levels.

On balance 35622 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 35622 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 35622 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. The score is rebuilt from public data as it updates, so 35622 reflects the current record instead of a stale or modeled snapshot.

Behind 35622'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, 35622 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.