ZIP 36305 Foreclosure, Tax-Lien & Distress Report

ZIP code 36305 in Houston County, Alabama carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (78/100), climate & FEMA risk (73/100)). The latent-versus-live split is 54/100 structural and 7/100 already moving. What sets it apart are the readings on institutional ownership (55/100), structural risk (54/100), mortgage stress (23/100). On the quiet end sit mortgage stress (23/100) and construction/permit lag (22/100).

Prices here sit in a contraction phase: values fell 1.2% over the trailing year, 2.0% off the recent peak, and 16% higher over three years (phase confidence 61/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

68% of housing is owner-occupied. Population is roughly 17,592 with a median age of 42. On demographic stress specifically, 36305 scores 26/100. Rent burden reaches 30% of tenant households. Households earn a median $81,438 — near the roughly $78,000 national figure. Around 35% of adults hold a bachelor's degree or higher. 7.9% of residents fall below the poverty threshold. The typical home is worth about $251,000 (2.9× income, relatively affordable). The ZIP holds roughly 7,532 housing units. The vacancy rate is 8.6%.

Net-net, 36305 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 36305 at the moment; the composite and its components are still built from verifiable public records.

The 36305 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 36305 stays directly comparable to neighboring ZIPs and the rest of Houston County, Alabama. Where the public record is thin for 36305, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 figure for 36305 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. For a buyer, 36305 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.