ZIP 35648 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 35648 (Lauderdale County, Alabama) at a moderate 34/100 for overall property distress. On the structural side it scores 76/100, with 7/100 of stress already active. Its heaviest discrete signals: construction/permit lag (88/100), structural risk (76/100), institutional ownership (55/100). On the quiet end sit mortgage stress (24/100). It additionally carries heavy environmental risk: climate & FEMA risk (85/100), FEMA disaster exposure (73/100), flood (NFIP) exposure (70/100).

The market reads expansion — home values rose 8.4% year on year, and 19% higher over three years (phase confidence 90/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

3,622 residents call 35648 home, typically aged 38. 9.3% of residents fall below the poverty threshold. Owners hold 84% of homes, renters 16%. Vacancy runs 11.1%. A median home runs $172,600 here, or 1.8 times local income. On demographic stress specifically, 35648 scores 26/100. The ZIP holds roughly 1,249 housing units. At $71,563, median income runs near typical U.S. levels. About 20% have a four-year degree. Around 48% of renters are cost-burdened.

On balance 35648 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 35648 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 35648 read uses the identical scoring model applied coast to coast, which means its 34/100 score means exactly what it means anywhere else, and 35648 stays directly comparable to neighboring ZIPs and the rest of Lauderdale County, Alabama. The score is rebuilt from public data as it updates, so 35648 reflects the current record instead of a stale or modeled snapshot.

Each component behind 35648 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 34/100 roll-up. The point of the 35648 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.