ZIP 35055 Foreclosure, Tax-Lien & Distress Report

In Cullman County, Alabama, ZIP 35055 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 45/100, against 5/100 of stress already in motion. Leading the profile are structural risk (45/100), institutional ownership (43/100), construction/permit lag (19/100). By contrast, construction/permit lag (19/100) and mortgage stress (18/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), FEMA disaster exposure (78/100).

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 public 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 22/100 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.