ZIP 36732 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 36732 (Marengo County, Alabama) at a low 15/100 for overall property distress. The sharpest non-environmental signals are institutional ownership (43/100), structural risk (30/100), mortgage stress (20/100). By contrast, structural risk (30/100) and mortgage stress (20/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100). Latent structural risk is 30/100 while live distress already moving reads 6/100.

The market reads expansion — home values rose 5.0% year on year, and 9% higher over three years, at 34/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $166,800, an affordability ratio of 4.0×. Roughly 23.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $45,029 — below the roughly $78,000 national figure. Around 42% of renters are cost-burdened. The tenure split is 58% owner-occupied to 42% rented. On demographic stress specifically, 36732 scores 36/100. About 29% have a four-year degree. The ZIP holds roughly 4,383 housing units. 8,339 residents call 36732 home, typically aged 43. The vacancy rate is 16.7% — elevated.

Net-net, 36732 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 36732 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 36732 runs hot or quiet, its 15/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 36732 can be compared directly against any other ZIP in Marengo County, Alabama or nationwide. Where the public record is thin for 36732, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 36732 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. The point of the 36732 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.