ZIP 36904 Foreclosure, Tax-Lien & Distress Report

ZIP code 36904 in Choctaw County, Alabama carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic distress index. Structural exposure scores 35 and live distress 6 on the 0–100 scale. The pressure is most legible in institutional ownership (39/100), structural risk (35/100), mortgage stress (21/100). structural risk (35/100) and mortgage stress (21/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (73/100), climate & FEMA risk (66/100).

The market reads expansion — home values rose 5.0% year on year, and 34% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 71% of homes, renters 29%. A median home runs $143,900 here, or 3.3 times local income. The vacancy rate is 23.3% — elevated. About 15% have a four-year degree. Population is roughly 4,468 with a median age of 48. The ZIP holds roughly 2,140 housing units. Median household income is $42,009, below the U.S. median near $78,000. The poverty rate is 20.4% — high, a tax-stress and distress correlate. Rent burden reaches 33% of tenant households. DLRadar's demographic-stress index for the area reads 33/100.

Taken together, 36904 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 36904 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 36904 runs through one identical scoring model, so its 17/100 sits on the same scale as every other ZIP in Choctaw County, Alabama and the nation. Where the record is thin for 36904, the field stays empty rather than modeled, and fills in as new documents post.

36904's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 36904 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.