ZIP 36474 Foreclosure, Tax-Lien & Distress Report

ZIP code 36474 in Covington County, Alabama carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. On the structural side it scores 44/100, with 6/100 of stress already active. Property-level stress concentrates in structural risk (44/100), institutional ownership (43/100), construction/permit lag (32/100). On the quiet end sit construction/permit lag (32/100) and mortgage stress (20/100). Climate and flood risk are elevated too — FEMA disaster exposure (78/100), climate & FEMA risk (66/100).

The market reads expansion — home values rose 5.0% year on year (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 1,392 housing units. At $41,183, median income runs below typical U.S. levels. The tenure split is 86% owner-occupied to 14% rented. Vacancy runs 21.2%, above the national norm and a classic distress-and-opportunity signal. 2,523 residents call 36474 home, typically aged 42. Around 32% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 32/100. About 10% have a four-year degree. A median home runs $113,100 here, or 2.6 times local income. Roughly 30.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

On the whole, 36474 leans distressed, with opportunity clustered in specific stressed parcels. While 36474 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 36474 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 36474 stays directly comparable to neighboring ZIPs and the rest of Covington County, Alabama. 36474 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 21/100 for 36474 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 36474 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.