ZIP 36251 Property Distress & Foreclosure Data

In Clay County, Alabama, ZIP 36251 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (45/100), construction/permit lag (39/100), structural risk (34/100). By contrast, structural risk (34/100) and mortgage stress (19/100) register low. The latent-versus-live split is 34/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100).

The market reads peak — home values rose 4.2% year on year, and 46% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

Median household income is $51,094, below the U.S. median near $78,000. 19.2% of residents fall below the poverty threshold. Owners hold 74% of homes, renters 26%. Educational attainment sits at 13% bachelor's-or-above. Around 10% of renters are cost-burdened. Home values center near $169,500, an affordability ratio of 3.1× — accessible. The vacancy rate is 14.0% — elevated. About 5,146 people live here, median age 41. DLRadar's demographic-stress index for the area reads 28/100. The ZIP holds roughly 2,562 housing units.

Net-net, 36251 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.