ZIP 36860 Foreclosure, Tax-Lien & Distress Report

ZIP code 36860 in Russell County, Alabama carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (78/100). Structural risk reads 52/100 against active distress of 7/100. Its heaviest discrete signals: institutional ownership (55/100), structural risk (52/100), construction/permit lag (50/100). On the quiet end sit mortgage stress (23/100).

The market reads peak — home values rose 2.1% year on year, 1.0% off the recent peak (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 17% have a four-year degree. The poverty rate is 13.8%. Vacancy runs 23.8%, above the national norm and a classic distress-and-opportunity signal. 1,611 residents call 36860 home, typically aged 56. At $42,470, median income runs below typical U.S. levels. Home values center near $63,400, an affordability ratio of 1.4× — accessible. Rent burden reaches 33% of tenant households. There are about 859 housing units across 36860. On demographic stress specifically, 36860 scores 26/100. Owners hold 76% of homes, renters 24%.

Taken together, 36860 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 36860's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 36860, the field stays empty rather than modeled, and fills in as new documents post.

36860'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. Practically, 36860 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.