ZIP 36442 Foreclosure, Tax-Lien & Distress Report

In Covington County, Alabama, ZIP 36442 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (79/100), FEMA disaster exposure (78/100). The split runs 45/100 structural to 6/100 active on the ground. Leading the profile are structural risk (45/100), institutional ownership (43/100), construction/permit lag (21/100). By contrast, construction/permit lag (21/100) and mortgage stress (20/100) register low.

The market reads expansion — home values rose 5.0% year on year, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $50,456, below the U.S. median near $78,000. The poverty rate is 16.9% — high, a tax-stress and distress correlate. Educational attainment sits at 11% bachelor's-or-above. Population is roughly 3,615 with a median age of 40. The vacancy rate is 29.6% — elevated. A median home runs $117,700 here, or 2.4 times local income. Around 27% of renters are cost-burdened. The demographic-stress sub-score lands at 30/100. 73% of housing is owner-occupied. The ZIP holds roughly 1,928 housing units.

Taken together, 36442 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 36442 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 36442 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Covington County, Alabama and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 36442 shows blanks, not estimates, wherever the record is sparse.

Each component behind 36442 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Practically, 36442 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.