ZIP 36260 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 36260 (Talladega County, Alabama) at a moderate 32/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (81/100), FEMA disaster exposure (78/100). The split runs 71/100 structural to 7/100 active on the ground. Leading the profile are structural risk (71/100), institutional ownership (60/100), construction/permit lag (57/100). mortgage stress (25/100) stay muted.

The expansion-phase market in 36260 posted values that rose 6.8% over the year, and 15% higher over three years, at 56/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $57,163 — below the roughly $78,000 national figure. 83% of housing is owner-occupied. About 20% have a four-year degree. DLRadar's demographic-stress index for the area reads 26/100. Rent burden reaches 16% of tenant households. The ZIP holds roughly 1,817 housing units. Roughly 17.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 12.4% — elevated. 4,729 residents call 36260 home, typically aged 36. The typical home is worth about $160,900 (2.7× income, relatively affordable).

Net-net, 36260 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 36260 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 36260 runs hot or quiet, its 32/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 36260 can be compared directly against any other ZIP in Talladega County, Alabama or nationwide. Sparse data for 36260 shows as blanks, never estimates, and the score updates on every fresh public filing.

36260's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 36260 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.