ZIP 35654 Foreclosure, Tax-Lien & Distress Report

Franklin County, Alabama's ZIP 35654 registers 26/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are construction/permit lag (78/100), structural risk (57/100), institutional ownership (45/100). By contrast, mortgage stress (20/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (78/100), climate & FEMA risk (63/100). Structurally it carries 57/100, against 6/100 of stress already in motion.

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 17% higher over three years (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $54,375, median income runs below typical U.S. levels. The typical home is worth about $172,800 (2.9× income, relatively affordable). Around 35% of renters are cost-burdened. About 9% have a four-year degree. Vacancy runs 15.2%, above the national norm and a classic distress-and-opportunity signal. Owners hold 67% of homes, renters 33%. Roughly 16.2% live below the poverty line. The ZIP holds roughly 3,871 housing units. The demographic-stress sub-score lands at 32/100. 8,396 residents call 35654 home, typically aged 38.

Net-net, 35654 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 35654 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 35654 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 35654 can be compared directly against any other ZIP in Franklin County, Alabama or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 35654 shows blanks, not estimates, wherever the record is sparse.

The 26/100 figure for 35654 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 35654 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.