ZIP 36109 Foreclosure, Tax-Lien & Distress Report

Montgomery County, Alabama's ZIP 36109 registers 32/100 composite distress, which DLRadar reads as moderate. Leading the profile are 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). Structural exposure scores 69 and live distress 7 on the 0–100 scale.

The market reads expansion — home values rose 5.4% year on year, 1.4% off the recent peak, and 8% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $61,059, median income runs below typical U.S. levels. Roughly 14.4% live below the poverty line. Around 30% of adults hold a bachelor's degree or higher. On demographic stress specifically, 36109 scores 28/100. Around 48% of renters are cost-burdened. Home values center near $140,600, an affordability ratio of 2.2× — accessible. Vacancy runs 10.5%. 67% of housing is owner-occupied. There are about 11,288 housing units across 36109. Population is roughly 24,093 with a median age of 40.

On balance 36109 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 36109 runs through one identical scoring model, so its 32/100 sits on the same scale as every other ZIP in Montgomery County, Alabama and the nation. Nothing here is interpolated — where a source is thin for 36109, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 36109's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 36109 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.