ZIP 36855 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 36855 in Chambers County, Alabama comes in at 16, a low composite-distress reading. It additionally carries heavy environmental risk: FEMA disaster exposure (74/100). Latent structural risk is 32/100 while live distress already moving reads 6/100. Its heaviest discrete signals: institutional ownership (40/100), structural risk (32/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (15/100) register low.

Prices here sit in a peak phase: values rose 3.2% over the trailing year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $58,230, below the U.S. median near $78,000. There are about 880 housing units across 36855. The vacancy rate is 12.5% — elevated. Rent burden reaches 12% of tenant households. Roughly 21.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 10% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 26/100. The typical home is worth about $123,100 (3.0× income, relatively affordable). Population is roughly 1,521 with a median age of 54. Owners hold 93% of homes, renters 7%.

Net-net, 36855 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 36855 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 36855's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 36855 reflects the current record instead of a stale or modeled snapshot.

Each component behind 36855 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 16/100 roll-up. Practically, 36855 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.