ZIP 36104 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 36104 (Montgomery County, Alabama) at a moderate 32/100 for overall property distress. The latent-versus-live split is 69/100 structural and 7/100 already moving. Property-level stress concentrates in structural risk (69/100), institutional ownership (57/100), construction/permit lag (45/100). mortgage stress (25/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (91/100), flood (NFIP) exposure (80/100), FEMA disaster exposure (74/100).

The market reads expansion — home values rose 5.4% year on year, 1.4% off the recent peak, and 7% lower over three years, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 5,250 housing units. Rent burden reaches 37% of tenant households. The typical home is worth about $172,700 (3.5× income, relatively affordable). On demographic stress specifically, 36104 scores 41/100. About 10,637 people live here, median age 33. Median household income is $34,975, below the U.S. median near $78,000. The vacancy rate is 21.6% — elevated. Roughly 38.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Owners hold 26% of homes, renters 74%. About 26% have a four-year degree.

Taken together, 36104 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 36104 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 36104's 32/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 36104 shows as blanks, never estimates, and the score updates on every fresh public filing.

36104'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. The point of the 36104 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.