ZIP 35098 Foreclosure, Tax-Lien & Distress Report

Cullman County, Alabama's ZIP 35098 registers 21/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: structural risk (44/100), institutional ownership (43/100), construction/permit lag (19/100). On the quiet end sit construction/permit lag (19/100) and mortgage stress (18/100). Structurally it carries 44/100, against 5/100 of stress already in motion. Environmental exposure also runs high (FEMA disaster exposure (78/100), climate & FEMA risk (75/100)).

Prices here sit in a peak phase: values rose 3.5% over the trailing year, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 743 housing units across 35098. On demographic stress specifically, 35098 scores 26/100. Around 7% of renters are cost-burdened. About 12% have a four-year degree. Vacancy runs 23.3%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 62% owner-occupied to 38% rented. Households earn a median $78,474 — near the roughly $78,000 national figure. Home values center near $173,100, an affordability ratio of 2.3× — accessible. 15.0% of residents fall below the poverty threshold. 1,118 residents call 35098 home, typically aged 35.

Taken together, 35098 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 35098 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 35098 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 35098 stays directly comparable to neighboring ZIPs and the rest of Cullman County, Alabama. Where the public record is thin for 35098, the field stays empty rather than modeled, and fills in as new documents post.

35098's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 35098 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.