ZIP 35044 Property Distress & Foreclosure Data

ZIP code 35044 in Talladega County, Alabama carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (84/100), FEMA disaster exposure (83/100), climate & FEMA risk (81/100). What sets it apart are the readings on structural risk (70/100), institutional ownership (63/100), construction/permit lag (50/100). mortgage stress (25/100) stay muted. Structural risk reads 70/100 against active distress of 7/100.

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 22% lower over three years, at 32/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $124,500 (2.4× income, relatively affordable). 69% of housing is owner-occupied. 8,225 residents call 35044 home, typically aged 42. There are about 3,841 housing units across 35044. Rent burden reaches 29% of tenant households. At $50,448, median income runs below typical U.S. levels. The poverty rate is 16.2%. Around 12% of adults hold a bachelor's degree or higher. Vacancy runs 9.2%. The demographic-stress sub-score lands at 28/100.

Overall, 35044 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.