ZIP 36318 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 36318 (Geneva County, Alabama) returns a low composite of 23/100. Property-level stress concentrates in structural risk (50/100), construction/permit lag (48/100), institutional ownership (47/100). By contrast, mortgage stress (20/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100). Structural risk reads 50/100 against active distress of 6/100.

The peak-phase market in 36318 posted values that held roughly flat over the year, 1.4% off the recent peak, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $52,500, below the U.S. median near $78,000. Home values center near $122,400, an affordability ratio of 2.4× — accessible. The poverty rate is 15.9%. Rent burden reaches 4% of tenant households. About 1,193 people live here, median age 52. Around 21% of adults hold a bachelor's degree or higher. On demographic stress specifically, 36318 scores 23/100. The tenure split is 88% owner-occupied to 12% rented. Vacancy runs 29.2%, above the national norm and a classic distress-and-opportunity signal. There are about 833 housing units across 36318.

On the whole, 36318 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 36318 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 36318's 23/100 can be lined up against any neighbor in Geneva County, Alabama or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 36318, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

36318'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. The point of the 36318 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.