ZIP 36854 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 36854 (Chambers County, Alabama) lands at 22/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — FEMA disaster exposure (78/100). The most distinctive pressure shows up in institutional ownership (50/100), structural risk (46/100), mortgage stress (21/100). mortgage stress (21/100) and construction/permit lag (21/100) stay muted. The split runs 46/100 structural to 6/100 active on the ground.

The peak-phase market in 36854 posted values that rose 2.2% over the year, and 23% higher over three years, at 35/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 69% of homes, renters 31%. The ZIP holds roughly 7,974 housing units. Around 19% of adults hold a bachelor's degree or higher. Median household income is $60,385, below the U.S. median near $78,000. Vacancy runs 19.6%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 14.1%. 15,913 residents call 36854 home, typically aged 37. Around 31% of renters are cost-burdened. The typical home is worth about $160,100 (2.4× income, relatively affordable). On demographic stress specifically, 36854 scores 29/100.

On the whole, 36854 leans distressed, with opportunity clustered in specific stressed parcels. 36854 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 36854 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 36854 can be compared directly against any other ZIP in Chambers County, Alabama or nationwide. Sparse data for 36854 shows as blanks, never estimates, and the score updates on every fresh public filing.

36854'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, 36854 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.