ZIP 36028 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 36028 (Covington County, Alabama) at a low 19/100 for overall property distress. The pressure is most legible in institutional ownership (51/100), structural risk (40/100), mortgage stress (23/100). On the quiet end sit mortgage stress (23/100) and construction/permit lag (16/100). Climate and flood risk are elevated too — FEMA disaster exposure (78/100). Structurally it carries 40/100, against 7/100 of stress already in motion.

The market reads expansion — home values rose 5.0% year on year, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 35/100. The tenure split is 62% owner-occupied to 38% rented. Home values center near $142,900, an affordability ratio of 3.1× — accessible. There are about 890 housing units across 36028. The poverty rate is 19.1% — high, a tax-stress and distress correlate. Educational attainment sits at 27% bachelor's-or-above. Median household income is $41,406, below the U.S. median near $78,000. Population is roughly 1,531 with a median age of 42. Rent burden reaches 43% of tenant households. Vacancy runs 33.5%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 36028 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 36028 at the moment; the composite and its components are still built from verifiable public records.

Whether 36028 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 36028 can be compared directly against any other ZIP in Covington County, Alabama or nationwide. Where the public record is thin for 36028, the field stays empty rather than modeled, and fills in as new documents post.

The 19/100 figure for 36028 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. Treat 36028 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.