ZIP 35811 Foreclosure, Tax-Lien & Distress Report

In Madison County, Alabama, ZIP 35811 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (95/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (74/100)). The most distinctive pressure shows up in structural risk (71/100), institutional ownership (59/100), construction/permit lag (46/100). On the quiet end sit mortgage stress (23/100). The split runs 71/100 structural to 7/100 active on the ground.

The market reads peak — home values rose 2.9% year on year, and 8% higher over three years (phase confidence 16/100). Topping markets hide individual distress behind strong averages.

There are about 12,408 housing units across 35811. Households earn a median $92,361 — above the roughly $78,000 national figure. The tenure split is 78% owner-occupied to 22% rented. Vacancy runs 8.6%. Population is roughly 29,748 with a median age of 37. Rent burden reaches 37% of tenant households. The poverty rate is 12.0%. The demographic-stress sub-score lands at 26/100. The typical home is worth about $281,100 (2.7× income, relatively affordable). Around 35% of adults hold a bachelor's degree or higher.

Overall, 35811 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 35811 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 35811 read uses the identical public-record model applied coast to coast, which means its 32/100 score means exactly what it means anywhere else, and 35811 stays directly comparable to neighboring ZIPs and the rest of Madison County, Alabama. Nothing here is interpolated — where a source is thin for 35811, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 32/100 for 35811 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 35811 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.