ZIP 36203 Foreclosure, Tax-Lien & Distress Report

ZIP 36203's composite property-distress score is 33/100 - DLRadar classes that as moderate for Calhoun County, Alabama. On the structural side it scores 74/100, with 7/100 of stress already active. Its heaviest discrete signals: structural risk (74/100), construction/permit lag (67/100), institutional ownership (60/100). On the quiet end sit mortgage stress (25/100). Climate and flood risk are elevated too — climate & FEMA risk (85/100), flood (NFIP) exposure (79/100), FEMA disaster exposure (78/100).

Prices here sit in a expansion phase: values rose 9.1% over the trailing year, and 19% higher over three years, at 85/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 8,154 housing units across 36203. Owners hold 72% of homes, renters 28%. At $65,920, median income runs below typical U.S. levels. Around 26% of adults hold a bachelor's degree or higher. The typical home is worth about $178,700 (2.5× income, relatively affordable). The vacancy rate is 9.3%. The demographic-stress sub-score lands at 29/100. The poverty rate is 15.8%. 18,797 residents call 36203 home, typically aged 37. Around 40% of renters are cost-burdened.

On balance 36203 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 36203 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 36203 runs through one identical public-record model, so its 33/100 sits on the same scale as every other ZIP in Calhoun County, Alabama and the nation. Where the public record is thin for 36203, the field stays empty rather than modeled, and fills in as new documents post.

36203'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 36203 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.