ZIP 36020 Foreclosure, Tax-Lien & Distress Report
Elmore County, Alabama · High Poverty market
DLRadar grades ZIP 36020 (Elmore County, Alabama) at a low 27/100 for overall property distress. Climate and flood risk are elevated too — FEMA disaster exposure (74/100), flood (NFIP) exposure (73/100), climate & FEMA risk (72/100). Structural risk reads 60/100 against active distress of 7/100. Leading the profile are structural risk (60/100), institutional ownership (56/100), construction/permit lag (34/100). On the quiet end sit construction/permit lag (34/100) and mortgage stress (24/100).
Prices here sit in a expansion phase: values rose 5.4% over the trailing year, 1.4% off the recent peak, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
At $58,971, median income runs below typical U.S. levels. The vacancy rate is 11.4% — elevated. Around 16% of renters are cost-burdened. The ZIP holds roughly 504 housing units. Roughly 22.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The demographic-stress sub-score lands at 28/100. Home values center near $182,600, an affordability ratio of 3.1× — accessible. 1,090 residents call 36020 home, typically aged 49. About 17% have a four-year degree. 83% of housing is owner-occupied.
Taken together, 36020 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.
No ZIP is too small to score: 36020 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 36020, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 27/100 for 36020 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 36020 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.
What is driving ZIP 36020’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 36020 by the numbers
A live read on 36020: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Neighbouring ZIPs in Elmore County
Nearest ZIP codes to 36020
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Alabama distress
Other reports tied to Elmore County, Alabama — ZIP, county and statewide.
The complete 36020 distress and acquisition report
Open 36020 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology