ZIP 35986 Property Distress & Foreclosure Data

ZIP code 35986 in Dekalb County, Alabama carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (83/100), climate & FEMA risk (77/100). On the structural side it scores 54/100, with 6/100 of stress already active. What sets it apart are the readings on construction/permit lag (55/100), structural risk (54/100), institutional ownership (45/100). mortgage stress (19/100) stay muted.

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 31% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $65,774, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 30/100. The poverty rate is 13.5%. Around 48% of renters are cost-burdened. 85% of housing is owner-occupied. The ZIP holds roughly 3,766 housing units. 8,221 residents call 35986 home, typically aged 44. The typical home is worth about $221,600 (3.2× income, relatively affordable). Around 25% of adults hold a bachelor's degree or higher. The vacancy rate is 10.3%.

Overall, 35986 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.