ZIP 35646 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 35646 (Colbert County, Alabama) lands at 31/100 — moderate on DLRadar's public-record scoring. The split runs 68/100 structural to 7/100 active on the ground. The sharpest non-environmental signals are structural risk (68/100), construction/permit lag (59/100), institutional ownership (58/100). mortgage stress (24/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (79/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (68/100)).

The expansion-phase market in 35646 posted values that rose 8.4% over the year, and 56% higher over three years, at 90/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 4,005 with a median age of 55. The tenure split is 85% owner-occupied to 15% rented. DLRadar's demographic-stress index for the area reads 27/100. Rent burden reaches 40% of tenant households. A median home runs $142,900 here, or 2.0 times local income. There are about 2,266 housing units across 35646. The poverty rate is 12.1%. Educational attainment sits at 8% bachelor's-or-above. The vacancy rate is 18.3% — elevated. At $58,407, median income runs below typical U.S. levels.

On the whole, 35646 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 35646 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 35646's 31/100 can be lined up against any neighbor in Colbert County, Alabama or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 35646 reflects the current record instead of a stale or modeled snapshot.

Behind 35646'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, 35646 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.