ZIP 35055 Foreclosure, Tax-Lien & Distress Report
Cullman County, Alabama · Distress market
In Cullman County, Alabama, ZIP 35055 scores 20 of 100 for composite distress, a low level on DLRadar's distress index. Structurally it carries 39/100, against 5/100 of stress already in motion. Leading the profile are institutional ownership (40/100), structural risk (39/100), mortgage stress (18/100). By contrast, structural risk (39/100) and mortgage stress (18/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), FEMA disaster exposure (74/100).
Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 13% higher over three years (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Home values center near $218,900, an affordability ratio of 3.3× — accessible. Rent burden reaches 31% of tenant households. Population is roughly 23,231 with a median age of 42. There are about 10,611 housing units across 35055. The tenure split is 63% owner-occupied to 37% rented. The vacancy rate is 10.2%. Median household income is $58,488, below the U.S. median near $78,000. The demographic-stress sub-score lands at 30/100. The poverty rate is 16.2%. About 26% have a four-year degree.
Overall, 35055 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 35055 at the moment; the composite and its components are still built from verifiable records.
No ZIP is too small to score: 35055 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 35055 reflects the current record instead of a stale or modeled snapshot.
35055's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 35055 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 35055’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 35055 by the numbers
A live read on 35055: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Cullman County ZIPs near 35055
Nearest ZIP codes to 35055
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to Cullman County, Alabama — ZIP, county and statewide.
Open the complete 35055 acquisition file
See who owns each distressed property in 35055, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology