ZIP 36013 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 36013 (Montgomery County, Alabama) at a moderate 33/100 for overall property distress. Property-level stress concentrates in structural risk (72/100), institutional ownership (61/100), construction/permit lag (48/100). mortgage stress (25/100) stay muted. The split runs 72/100 structural to 7/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (82/100), FEMA disaster exposure (78/100).

The market reads expansion — home values rose 5.4% year on year, 1.4% off the recent peak (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 180 people live here, median age 57. DLRadar's demographic-stress index for the area reads 20/100. The typical home is worth about $434,300 (2.7× income, relatively affordable). Owners hold 100% of homes, renters 0%. The ZIP holds roughly 97 housing units. Vacancy runs 22.0%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 0.0% — low. Median household income is $139,853, above the U.S. median near $78,000. About 34% have a four-year degree.

Taken together, 36013 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.

Big metro or rural, 36013 runs through one identical public-record model, so its 33/100 sits on the same scale as every other ZIP in Montgomery County, Alabama and the nation. The score is rebuilt from public data as it updates, so 36013 reflects the current record instead of a stale or modeled snapshot.

The 33/100 figure for 36013 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 36013 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.