ZIP 36421 Foreclosure, Tax-Lien & Distress Report
Covington County, Alabama · High Vacancy market
Covington County, Alabama's ZIP 36421 registers 21/100 composite distress, which DLRadar reads as low. Structurally it carries 42/100, against 6/100 of stress already in motion. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100), climate & FEMA risk (70/100). The pressure is most legible in institutional ownership (43/100), structural risk (42/100), mortgage stress (20/100). mortgage stress (20/100) and construction/permit lag (18/100) stay muted.
The expansion-phase market in 36421 posted values that rose 5.0% over the year, and 10% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
About 9,861 people live here, median age 42. Owners hold 79% of homes, renters 21%. Vacancy runs 22.4%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 27/100. There are about 4,794 housing units across 36421. Around 24% of renters are cost-burdened. Home values center near $170,900, an affordability ratio of 2.5× — accessible. Median household income is $63,781, below the U.S. median near $78,000. The poverty rate is 13.2%. Educational attainment sits at 17% bachelor's-or-above.
On the whole, 36421 leans distressed, with opportunity clustered in specific stressed parcels. While 36421 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Because one deterministic model scores every ZIP, 36421's 21/100 can be lined up against any neighbor in Covington County, Alabama or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 36421 shows blanks, not estimates, wherever the record is sparse.
36421'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 36421 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 36421
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 36421 distress snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Other Covington County ZIP codes
Explore related distress reports
More ZIP, county and state distress intelligence connected to Covington County, Alabama.
Unlock the full ZIP 36421 acquisition report
Open 36421 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Each signal above is traceable to an open dataset · methodology