ZIP 35058 Foreclosure, Tax-Lien & Distress Report

Cullman County, Alabama's ZIP 35058 registers 20/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in institutional ownership (40/100), structural risk (40/100), mortgage stress (18/100). On the quiet end sit mortgage stress (18/100). Climate and flood risk are elevated too — FEMA disaster exposure (83/100), climate & FEMA risk (79/100). Structural risk reads 40/100 against active distress of 5/100.

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 11% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $59,950, below the U.S. median near $78,000. Rent burden reaches 26% of tenant households. Roughly 13.9% live below the poverty line. The tenure split is 74% owner-occupied to 26% rented. The ZIP holds roughly 4,794 housing units. Around 17% of adults hold a bachelor's degree or higher. About 11,003 people live here, median age 39. DLRadar's demographic-stress index for the area reads 29/100. The typical home is worth about $212,300 (3.2× income, relatively affordable). Vacancy runs 7.4%.

On balance 35058 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 35058 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 35058 can be compared directly against any other ZIP in Cullman County, Alabama or nationwide. Nothing here is interpolated — where a source is thin for 35058, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 35058 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. In workflow terms, 35058 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.