ZIP 36862 Foreclosure, Tax-Lien & Distress Report
Chambers County, Alabama · High Vacancy market
ZIP code 36862 in Chambers County, Alabama carries a composite property-distress score of 18/100 — 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 38/100 against active distress of 6/100. What sets it apart are the readings on institutional ownership (43/100), structural risk (38/100), construction/permit lag (36/100). construction/permit lag (36/100) and mortgage stress (19/100) stay muted.
Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 21% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
DLRadar's demographic-stress index for the area reads 34/100. Educational attainment sits at 15% bachelor's-or-above. About 6,052 people live here, median age 52. Home values center near $134,700, an affordability ratio of 3.5× — accessible. Median household income is $39,510, below the U.S. median near $78,000. Owners hold 72% of homes, renters 28%. 14.7% of residents fall below the poverty threshold. Vacancy runs 21.5%, above the national norm and a classic distress-and-opportunity signal. Around 41% of renters are cost-burdened. The ZIP holds roughly 3,240 housing units.
On the whole, 36862 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 36862 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 36862 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. 36862 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 18/100 for 36862 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 36862 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 36862
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 36862 Stress Report snapshot
The live 36862 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
More ZIPs across Chambers County
Explore related distress reports
Further distress data across Chambers County, Alabama at ZIP, county and state level.
Open the complete 36862 acquisition file
The full 36862 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology