ZIP 35097 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 35097 (Blount County, Alabama) lands at 27/100 — low on DLRadar's public-record scoring. Structurally it carries 60/100, against 5/100 of stress already in motion. Climate and flood risk are elevated too — FEMA disaster exposure (78/100), climate & FEMA risk (65/100), flood (NFIP) exposure (61/100). Its heaviest discrete signals: structural risk (60/100), institutional ownership (56/100), construction/permit lag (50/100). On the quiet end sit mortgage stress (18/100).

The peak-phase market in 35097 posted values that rose 2.7% over the year, and 58% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 10.0%. Home values center near $150,500, an affordability ratio of 1.9× — accessible. The tenure split is 88% owner-occupied to 12% rented. Educational attainment sits at 10% bachelor's-or-above. 12.6% of residents fall below the poverty threshold. At $71,250, median income runs near typical U.S. levels. The ZIP holds roughly 785 housing units. On demographic stress specifically, 35097 scores 31/100. Population is roughly 1,857 with a median age of 52. Rent burden reaches 71% of tenant households.

Net-net, 35097 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 35097 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 35097 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 35097 can be compared directly against any other ZIP in Blount County, Alabama or nationwide. Nothing here is interpolated — where a source is thin for 35097, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 27/100 for 35097 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 35097 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.