ZIP 35963 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 35963 (Dekalb County, Alabama) at a low 27/100 for overall property distress. Latent structural risk is 57/100 while live distress already moving reads 6/100. Leading the profile are construction/permit lag (71/100), structural risk (57/100), institutional ownership (40/100). By contrast, mortgage stress (19/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), climate & FEMA risk (77/100).

Prices here sit in a peak phase: values rose 3.2% over the trailing year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $82,600, an affordability ratio of 1.5× — accessible. Educational attainment sits at 5% bachelor's-or-above. 1,562 residents call 35963 home, typically aged 39. The ZIP holds roughly 556 housing units. The tenure split is 83% owner-occupied to 17% rented. The poverty rate is 26.0% — high, a tax-stress and distress correlate. Vacancy runs 10.1%. On demographic stress specifically, 35963 scores 31/100. At $69,717, median income runs near typical U.S. levels. Around 54% of renters are cost-burdened.

Taken together, 35963 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 35963 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 35963 can be compared directly against any other ZIP in Dekalb County, Alabama or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 35963 shows blanks, not estimates, wherever the record is sparse.

Each component behind 35963 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. In workflow terms, 35963 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.