ZIP 35070 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 35070 (Cullman County, Alabama) lands at 20/100 — low on DLRadar's distress scoring. Its heaviest discrete signals: institutional ownership (40/100), structural risk (40/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) register low. Structurally it carries 40/100, against 5/100 of stress already in motion. Environmental exposure also runs high (FEMA disaster exposure (83/100), climate & FEMA risk (79/100)).

The peak-phase market in 35070 posted values that rose 3.2% over the year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

127 residents call 35070 home, typically aged 69. Vacancy runs 0.0%. A median home runs $124,200 here, or 2.3 times local income. DLRadar's demographic-stress index for the area reads 33/100. Owners hold 100% of homes, renters 0%. The poverty rate is 11.8%. The ZIP holds roughly 50 housing units. Households earn a median $65,500 — below the roughly $78,000 national figure. About 20% have a four-year degree.

Net-net, 35070 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 35070 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 35070 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. Every figure is auditable to a public dataset and refreshed as records update; 35070 shows blanks, not estimates, wherever the record is sparse.

35070'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, 35070 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.