ZIP 35816 Foreclosure, Tax-Lien & Distress Report

ZIP code 35816 in Madison County, Alabama carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (95/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (74/100)). Latent structural risk is 71/100 while live distress already moving reads 7/100. Leading the profile are structural risk (71/100), institutional ownership (59/100), construction/permit lag (46/100). On the quiet end sit mortgage stress (23/100).

Prices here sit in a peak phase: values rose 2.9% over the trailing year, and 8% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $38,947, below the U.S. median near $78,000. Home values center near $128,900, an affordability ratio of 2.9× — accessible. 27% of housing is owner-occupied. Rent burden reaches 45% of tenant households. There are about 8,216 housing units across 35816. Educational attainment sits at 27% bachelor's-or-above. Roughly 25.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 35816 scores 36/100. The vacancy rate is 12.2% — elevated. 15,172 residents call 35816 home, typically aged 29.

On the whole, 35816 leans distressed, with opportunity clustered in specific stressed parcels. While 35816 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 35816 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 35816 stays directly comparable to neighboring ZIPs and the rest of Madison County, Alabama. Where the public record is thin for 35816, the field stays empty rather than modeled, and fills in as new documents post.

35816's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 35816 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.