ZIP 35077 Property Distress & Foreclosure Data

In Cullman County, Alabama, ZIP 35077 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 53/100 against active distress of 5/100. Its standout signals are structural risk (53/100), construction/permit lag (48/100), institutional ownership (45/100). mortgage stress (18/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (83/100), climate & FEMA risk (79/100).

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 2% higher over three years, at 32/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

13,290 residents call 35077 home, typically aged 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%. At $47,720, median income runs below typical U.S. levels. Rent burden reaches 37% of tenant households. Around 14% of adults hold a bachelor's degree or higher. The typical home is worth about $162,400 (3.3× income, relatively affordable). The demographic-stress sub-score lands at 32/100.

Overall, 35077 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.