ZIP 35640 Foreclosure, Tax-Lien & Distress Report
Morgan County, Alabama · Distress market
Morgan County, Alabama's ZIP 35640 registers 21/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (88/100), FEMA disaster exposure (78/100). What sets it apart are the readings on institutional ownership (43/100), structural risk (43/100), mortgage stress (18/100). mortgage stress (18/100) stay muted. Latent structural risk is 43/100 while live distress already moving reads 5/100.
Prices here sit in a peak phase: values rose 1.3% over the trailing year, and 12% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The ZIP holds roughly 11,336 housing units. Rent burden reaches 33% of tenant households. 26,976 residents call 35640 home, typically aged 40. About 25% have a four-year degree. Home values center near $210,000, an affordability ratio of 2.8× — accessible. The demographic-stress sub-score lands at 27/100. The vacancy rate is 7.3%. Median household income is $69,686, near the U.S. median near $78,000. 80% of housing is owner-occupied. The poverty rate is 11.9%.
Net-net, 35640 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 35640 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 35640 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 35640 stays directly comparable to neighboring ZIPs and the rest of Morgan County, Alabama. 35640 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
35640's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 35640 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 35640’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
35640 at a glance
A live read on 35640: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Other Morgan County ZIP codes
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See every distressed parcel in 35640
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Deterministic scoring, sourced entirely from public data · methodology