ZIP 36477 Foreclosure, Tax-Lien & Distress Report
Geneva County, Alabama · High Vacancy market
ZIP 36477's composite property-distress score is 23/100 - DLRadar classes that as low for Geneva County, Alabama. The pressure is most legible in construction/permit lag (66/100), structural risk (49/100), institutional ownership (44/100). By contrast, mortgage stress (19/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (78/100). Structural risk reads 49/100 against active distress of 6/100.
The market reads contraction — home values fell 0.7% year on year, 1.8% off the recent peak, at 53/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
At $49,744, median income runs below typical U.S. levels. Around 8% of adults hold a bachelor's degree or higher. 17.8% of residents fall below the poverty threshold. Owners hold 79% of homes, renters 21%. The demographic-stress sub-score lands at 27/100. Population is roughly 4,363 with a median age of 49. There are about 2,322 housing units across 36477. The vacancy rate is 20.9% — elevated. Around 21% of renters are cost-burdened. A median home runs $115,400 here, or 2.0 times local income.
Taken together, 36477 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 36477 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 36477 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 36477 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 23/100 for 36477 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 36477 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 36477’s distress
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.
Snapshot: 36477 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
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Open the complete 36477 acquisition file
Open 36477 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.
Deterministic scoring, sourced entirely from public data · methodology