ZIP 35645 Foreclosure, Tax-Lien & Distress Report
Lauderdale County, Alabama · Distress market
In Lauderdale County, Alabama, ZIP 35645 scores 34 of 100 for composite distress, a moderate level on DLRadar's distress index. Climate and flood risk are elevated too — climate & FEMA risk (85/100), FEMA disaster exposure (74/100), flood (NFIP) exposure (70/100). The split runs 76/100 structural to 7/100 active on the ground. The most distinctive pressure shows up in construction/permit lag (88/100), structural risk (76/100), institutional ownership (55/100). mortgage stress (24/100) stay muted.
The market reads expansion — home values rose 8.4% year on year, and 15% higher over three years (phase confidence 90/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
Median household income is $80,078, near the U.S. median near $78,000. The poverty rate is 7.4% — low. Around 14% of renters are cost-burdened. About 30% have a four-year degree. 82% of housing is owner-occupied. About 13,756 people live here, median age 44. The demographic-stress sub-score lands at 22/100. A median home runs $221,000 here, or 2.6 times local income. There are about 6,002 housing units across 35645. The vacancy rate is 8.8%.
Net-net, 35645 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 35645 runs hot or quiet, its 34/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 35645 can be compared directly against any other ZIP in Lauderdale County, Alabama or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 35645 shows blanks, not estimates, wherever the record is sparse.
35645'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. The point of the 35645 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 35645’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 35645 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 35645, the same set carried on every parcel.
Neighbouring ZIPs in Lauderdale County
Nearest ZIP codes to 35645
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 35645
Related ZIP, county and statewide reads linked to Lauderdale County, Alabama.
Open the complete 35645 acquisition file
The full 35645 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology