ZIP 36856 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 36856 (Russell County, Alabama) returns a low composite of 27/100. Climate and flood risk are elevated too — flood (NFIP) exposure (88/100), FEMA disaster exposure (78/100). Its heaviest discrete signals: institutional ownership (62/100), structural risk (62/100), construction/permit lag (51/100). By contrast, mortgage stress (25/100) register low. The latent-versus-live split is 62/100 structural and 8/100 already moving.

The market reads peak — home values rose 1.6% year on year, 1.6% off the recent peak, at 31/100 phase confidence. Topping markets hide individual distress behind strong averages.

Owners hold 92% of homes, renters 8%. At $68,636, median income runs below typical U.S. levels. A median home runs $258,700 here, or 3.7 times local income. The demographic-stress sub-score lands at 29/100. Population is roughly 8,825 with a median age of 31. The vacancy rate is 5.7%. Around 30% of renters are cost-burdened. There are about 3,052 housing units across 36856. Around 21% of adults hold a bachelor's degree or higher. The poverty rate is 12.5%.

Overall, 36856 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 36856 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 36856 runs through one identical public-record model, so its 27/100 sits on the same scale as every other ZIP in Russell County, Alabama and the nation. The score is rebuilt from public data as it updates, so 36856 reflects the current record instead of a stale or modeled snapshot.

The 27/100 figure for 36856 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 36856 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.