ZIP 35019 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 35019 in Cullman County, Alabama comes in at 21, a low composite-distress reading. The split runs 42/100 structural to 5/100 active on the ground. The pressure is most legible in institutional ownership (43/100), structural risk (42/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) and construction/permit lag (5/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (82/100), FEMA disaster exposure (78/100).

The peak-phase market in 35019 posted values that rose 2.5% over the year, and 25% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $131,800 here, or 2.0 times local income. Rent burden reaches 68% of tenant households. Owners hold 86% of homes, renters 14%. The vacancy rate is 8.6%. About 2,497 people live here, median age 38. At $61,470, median income runs below typical U.S. levels. The poverty rate is 25.3% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 33/100. There are about 1,034 housing units across 35019. Educational attainment sits at 12% bachelor's-or-above.

Taken together, 35019 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 35019 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 35019 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 35019, the field stays empty rather than modeled, and fills in as new documents post.

35019's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 35019 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.