ZIP 36322 Foreclosure, Tax-Lien & Distress Report

ZIP code 36322 in Dale County, Alabama carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 40/100 against active distress of 6/100. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100), climate & FEMA risk (62/100). Its heaviest discrete signals: institutional ownership (43/100), structural risk (40/100), mortgage stress (19/100). mortgage stress (19/100) and construction/permit lag (19/100) stay muted.

The peak-phase market in 36322 posted values that rose 2.9% over the year, and 5% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $124,700 (2.3× income, relatively affordable). The vacancy rate is 14.8% — elevated. 7,740 residents call 36322 home, typically aged 47. The tenure split is 63% owner-occupied to 37% rented. Around 23% of renters are cost-burdened. About 15% have a four-year degree. There are about 4,450 housing units across 36322. At $49,243, median income runs below typical U.S. levels. The poverty rate is 14.0%. On demographic stress specifically, 36322 scores 27/100.

Taken together, 36322 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 36322 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 36322 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 36322 can be compared directly against any other ZIP in Dale County, Alabama or nationwide. Where the public record is thin for 36322, the field stays empty rather than modeled, and fills in as new documents post.

The 19/100 for 36322 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 36322 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.