ZIP 35740 Foreclosure, Tax-Lien & Distress Report

ZIP code 35740 in Jackson County, Alabama carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Its standout signals are structural risk (54/100), institutional ownership (47/100), construction/permit lag (46/100). mortgage stress (20/100) stay muted. The split runs 54/100 structural to 6/100 active on the ground. Environmental exposure also runs high (FEMA disaster exposure (78/100), climate & FEMA risk (75/100)).

The peak-phase market in 35740 posted values that rose 3.2% over the year, and 74% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

Owners hold 66% of homes, renters 34%. The poverty rate is 23.5% — high, a tax-stress and distress correlate. Around 28% of renters are cost-burdened. There are about 1,781 housing units across 35740. At $41,374, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 31/100. Home values center near $141,900, an affordability ratio of 2.7× — accessible. The vacancy rate is 11.9% — elevated. Educational attainment sits at 10% bachelor's-or-above. Population is roughly 3,285 with a median age of 48.

Net-net, 35740 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 35740 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 35740 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. 35740 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 35740'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. Treat 35740 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.