ZIP 35077 Foreclosure, Tax-Lien & Distress Report
Cullman County, Alabama · Affordable market
On DLRadar's 0-100 distress scale, ZIP 35077 in Cullman County, Alabama comes in at 20, a low composite-distress reading. Structural exposure scores 39 and live distress 5 on the 0–100 scale. The sharpest non-environmental signals 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. Environmental exposure also runs high (climate & FEMA risk (79/100), FEMA disaster exposure (74/100)).
The market reads peak — home values rose 3.2% year on year, and 2% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 13,290 people live here, median age 46. There are about 5,823 housing units across 35077. 73% of housing is owner-occupied. The poverty rate is 18.5% — high, a tax-stress and distress correlate. Vacancy runs 11.0%. Households earn a median $47,720 — below the roughly $78,000 national figure. Rent burden reaches 37% of tenant households. Educational attainment sits at 14% bachelor's-or-above. The typical home is worth about $162,400 (3.3× income, relatively affordable). The demographic-stress sub-score lands at 32/100.
On balance 35077 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 35077 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Big metro or rural, 35077 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Cullman County, Alabama and the nation. Sparse data for 35077 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 20/100 figure for 35077 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 35077 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
ZIP 35077 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 35077 Stress Report snapshot
A live read on 35077: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent Cullman County ZIP reports
Nearest ZIP codes to 35077
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Cullman County, Alabama
More ZIP, county and state distress intelligence connected to Cullman County, Alabama.
Unlock parcel-level detail for ZIP 35077
The full 35077 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology