ZIP 36561 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 36561 (Baldwin County, Alabama) at a moderate 36/100 for overall property distress. The sharpest non-environmental signals are structural risk (79/100), institutional ownership (70/100), construction/permit lag (51/100). On the quiet end sit mortgage stress (28/100). The split runs 79/100 structural to 8/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (92/100), FEMA disaster exposure (92/100).

The market reads expansion — home values rose 6.3% year on year, and 20% higher over three years, at 36/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 72.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 38% of tenant households. The tenure split is 67% owner-occupied to 33% rented. The demographic-stress sub-score lands at 41/100. At $89,432, median income runs above typical U.S. levels. 9,275 residents call 36561 home, typically aged 54. Roughly 5.5% live below the poverty line, a low share typical of higher-equity areas. The typical home is worth about $574,500 (5.9× income). Educational attainment sits at 41% bachelor's-or-above. The ZIP holds roughly 15,926 housing units.

Taken together, 36561 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 36561 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 36561's 36/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 36561, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 36561 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 36/100 roll-up. The point of the 36561 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.