ZIP 36420 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 36420 (Covington County, Alabama) returns a low composite of 24/100. The pressure is most legible in structural risk (50/100), institutional ownership (46/100), construction/permit lag (23/100). construction/permit lag (23/100) and mortgage stress (21/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (85/100), climate & FEMA risk (79/100). Structural exposure scores 50 and live distress 6 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 5.0% over the trailing year, and 27% higher over three years (phase confidence 34/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 23.4%, above the national norm and a classic distress-and-opportunity signal. Roughly 19.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. At $50,126, median income runs below typical U.S. levels. About 25% have a four-year degree. Population is roughly 10,358 with a median age of 41. On demographic stress specifically, 36420 scores 34/100. There are about 5,028 housing units across 36420. 74% of housing is owner-occupied. Around 45% of renters are cost-burdened. The typical home is worth about $167,800 (3.3× income, relatively affordable).

Taken together, 36420 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 36420 at the moment; the composite and its components are still built from verifiable records.

The 36420 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 36420 stays directly comparable to neighboring ZIPs and the rest of Covington County, Alabama. 36420 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 36420's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 36420 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.