ZIP 36207 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 36207 (Calhoun County, Alabama) at a moderate 35/100 for overall property distress. The split runs 78/100 structural to 7/100 active on the ground. The pressure is most legible in construction/permit lag (84/100), structural risk (78/100), institutional ownership (59/100). On the quiet end sit mortgage stress (25/100). Climate and flood risk are elevated too — climate & FEMA risk (87/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (76/100).

Prices here sit in a expansion phase: values rose 12.9% over the trailing year, and 13% higher over three years (phase confidence 100/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 76% of homes, renters 24%. The vacancy rate is 13.5% — elevated. About 19,251 people live here, median age 43. Around 34% of renters are cost-burdened. The typical home is worth about $202,000 (2.8× income, relatively affordable). On demographic stress specifically, 36207 scores 26/100. The ZIP holds roughly 9,179 housing units. Around 32% of adults hold a bachelor's degree or higher. Median household income is $70,090, near the U.S. median near $78,000. The poverty rate is 8.5%.

On the whole, 36207 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 36207 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 36207 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 35/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 36207 reflects the current record instead of a stale or modeled snapshot.

The 35/100 figure for 36207 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 36207 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.