ZIP 35634 Foreclosure, Tax-Lien & Distress Report

ZIP code 35634 in Lauderdale County, Alabama carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (60/100), institutional ownership (58/100), mortgage stress (24/100). On the quiet end sit mortgage stress (24/100) and construction/permit lag (16/100). On the structural side it scores 60/100, with 7/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (85/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (72/100)).

Prices here sit in a expansion phase: values rose 8.4% over the trailing year, and 19% higher over three years, at 90/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 32% of renters are cost-burdened. 7.5% of residents fall below the poverty threshold. About 10,009 people live here, median age 50. About 32% have a four-year degree. Median household income is $71,630, near the U.S. median near $78,000. Vacancy runs 15.9%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 81% owner-occupied to 19% rented. On demographic stress specifically, 35634 scores 28/100. The typical home is worth about $266,600 (3.7× income, relatively affordable). The ZIP holds roughly 4,921 housing units.

Net-net, 35634 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 35634 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 35634 read uses the identical public-record model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 35634 stays directly comparable to neighboring ZIPs and the rest of Lauderdale County, Alabama. The score is rebuilt from public data as it updates, so 35634 reflects the current record instead of a stale or modeled snapshot.

35634's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 35634 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.