ZIP 36038 Foreclosure, Tax-Lien & Distress Report
Covington County, Alabama · High Poverty market
ZIP code 36038 in Covington County, Alabama carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. Structural risk reads 44/100 against active distress of 0/100. Climate and flood risk are elevated too — climate & FEMA risk (79/100), FEMA disaster exposure (74/100). What sets it apart are the readings on structural risk (44/100), institutional ownership (40/100), construction/permit lag (20/100). By contrast, construction/permit lag (20/100) register low.
Prices here sit in a expansion phase: values rose 5.0% over the trailing year (phase confidence 34/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
Population is roughly 109 with a median age of 50. Around 48% of adults hold a bachelor's degree or higher. There are about 35 housing units across 36038. On demographic stress specifically, 36038 scores 65/100. The tenure split is 43% owner-occupied to 57% rented. Rent burden reaches 100% of tenant households. Vacancy runs 2.9%. The poverty rate is 44.0% — high, a tax-stress and distress correlate.
Taken together, 36038 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 36038 is not published yet -- the ZIP-level readings above remain fully sourced.
The number is not local guesswork: 36038's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 36038 shows as blanks, never estimates, and the score updates on every fresh public filing.
36038's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 36038 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 36038’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
36038 at a glance
The live 36038 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Covington County
Nearest ZIP codes to 36038
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Additional distress intelligence spanning Covington County, Alabama by ZIP, county and state.
Get the full acquisition report for 36038
The full 36038 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology