ZIP 36320 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 36320 (Houston County, Alabama) at a low 29/100 for overall property distress. Structurally it carries 63/100, against 7/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (86/100), flood (NFIP) exposure (85/100), FEMA disaster exposure (78/100). The pressure is most legible in structural risk (63/100), institutional ownership (61/100), mortgage stress (25/100). By contrast, mortgage stress (25/100) and construction/permit lag (19/100) register low.

Prices here sit in a contraction phase: values fell 1.2% over the trailing year, 2.0% off the recent peak, and 5% lower over three years (phase confidence 61/100). A cooling market tends to open discount-to-value windows.

Population is roughly 3,137 with a median age of 52. 78% of housing is owner-occupied. The ZIP holds roughly 1,676 housing units. Roughly 17.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $45,366, below the U.S. median near $78,000. The vacancy rate is 20.0% — elevated. The demographic-stress sub-score lands at 31/100. Around 13% of adults hold a bachelor's degree or higher. The typical home is worth about $152,700 (2.9× income, relatively affordable). Around 35% of renters are cost-burdened.

Net-net, 36320 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 36320 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 36320 read uses the identical public-record model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 36320 stays directly comparable to neighboring ZIPs and the rest of Houston County, Alabama. Sparse data for 36320 shows as blanks, never estimates, and the score updates on every fresh public filing.

36320'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. For an operator, 36320 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.