ZIP 36445 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 36445 (Monroe County, Alabama) returns a low composite of 21/100. Structurally it carries 44/100, against 6/100 of stress already in motion. Property-level stress concentrates in construction/permit lag (62/100), structural risk (44/100), institutional ownership (43/100). By contrast, mortgage stress (21/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100).

The expansion-phase market in 36445 posted values that rose 5.0% over the year, and 21% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

5,111 residents call 36445 home, typically aged 45. Home values center near $102,600, an affordability ratio of 2.9× — accessible. At $37,305, median income runs below typical U.S. levels. Rent burden reaches 45% of tenant households. The vacancy rate is 23.1% — elevated. There are about 2,365 housing units across 36445. The tenure split is 77% owner-occupied to 23% rented. Roughly 27.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The demographic-stress sub-score lands at 36/100. About 7% have a four-year degree.

Taken together, 36445 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 36445 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 36445 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in Monroe County, Alabama and the nation. Nothing here is interpolated — where a source is thin for 36445, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

36445'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 a buyer, 36445 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.