ZIP 36875 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 36875 (Russell County, Alabama) returns a low composite of 27/100. The sharpest non-environmental signals are institutional ownership (62/100), structural risk (62/100), construction/permit lag (51/100). By contrast, mortgage stress (25/100) register low. Structurally it carries 62/100, against 8/100 of stress already in motion. It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100), FEMA disaster exposure (78/100).

The market reads peak — home values rose 1.6% year on year, 1.6% off the recent peak, and 30% higher over three years (phase confidence 31/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $186,200, an affordability ratio of 3.0× — accessible. The demographic-stress sub-score lands at 25/100. Households earn a median $55,393 — below the roughly $78,000 national figure. Rent burden reaches 15% of tenant households. Owners hold 78% of homes, renters 22%. There are about 1,960 housing units across 36875. Roughly 8.9% live below the poverty line. Population is roughly 3,909 with a median age of 44. Around 18% of adults hold a bachelor's degree or higher. The vacancy rate is 11.4% — elevated.

Overall, 36875 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 36875 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 36875 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 36875 can be compared directly against any other ZIP in Russell County, Alabama or nationwide. Where the public record is thin for 36875, the field stays empty rather than modeled, and fills in as new documents post.

The 27/100 for 36875 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 36875 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.