ZIP 35645 Foreclosure, Tax-Lien & Distress Report

In Lauderdale County, Alabama, ZIP 35645 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (85/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (72/100). The split runs 60/100 structural to 7/100 active on the ground. The most distinctive pressure shows up in structural risk (60/100), institutional ownership (58/100), mortgage stress (24/100). mortgage stress (24/100) and construction/permit lag (16/100) 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 28/100 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 on ingest; 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.