ZIP 36106 Foreclosure, Tax-Lien & Distress Report

ZIP code 36106 in Montgomery County, Alabama carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. On the structural side it scores 69/100, with 7/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (80/100), FEMA disaster exposure (74/100). Its heaviest discrete signals: structural risk (69/100), institutional ownership (57/100), construction/permit lag (45/100). By contrast, mortgage stress (25/100) register low.

The expansion-phase market in 36106 posted values that rose 5.4% over the year, 1.4% off the recent peak, and 4% higher over three years (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

A median home runs $220,600 here, or 2.9 times local income. Roughly 11.3% live below the poverty line. Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 27/100. There are about 7,042 housing units across 36106. At $71,202, median income runs near typical U.S. levels. The tenure split is 56% owner-occupied to 44% rented. Around 34% of renters are cost-burdened. About 14,612 people live here, median age 36. Educational attainment sits at 51% bachelor's-or-above.

On the whole, 36106 leans distressed, with opportunity clustered in specific stressed parcels. 36106 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 36106 read uses the identical scoring model applied coast to coast, which means its 32/100 score means exactly what it means anywhere else, and 36106 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Alabama. Every figure is auditable to a public dataset and refreshed as records update; 36106 shows blanks, not estimates, wherever the record is sparse.

36106's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 36106 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.