ZIP 35903 Foreclosure, Tax-Lien & Distress Report
Etowah County, Alabama · High Vacancy market
DLRadar grades ZIP 35903 (Etowah County, Alabama) at a low 27/100 for overall property distress. Structural risk reads 59/100 against active distress of 6/100. Climate and flood risk are elevated too — FEMA disaster exposure (87/100), climate & FEMA risk (83/100). Property-level stress concentrates in structural risk (59/100), construction/permit lag (48/100), institutional ownership (47/100). On the quiet end sit mortgage stress (21/100).
The market reads peak — home values rose 1.0% year on year, 4.2% off the recent peak, and 22% higher over three years (phase confidence 45/100). Topping markets hide individual distress behind strong averages.
About 17,180 people live here, median age 44. The ZIP holds roughly 8,449 housing units. DLRadar's demographic-stress index for the area reads 34/100. Vacancy runs 18.0%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 67% owner-occupied to 33% rented. Households earn a median $50,063 — below the roughly $78,000 national figure. About 16% have a four-year degree. Roughly 16.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $172,300 here, or 3.4 times local income. Around 40% of renters are cost-burdened.
On the whole, 35903 leans distressed, with opportunity clustered in specific stressed parcels. While 35903 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 35903's 27/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 35903 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 27/100 figure for 35903 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. For an operator, 35903 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 35903’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
35903 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 35903, the same set carried on every parcel.
Adjacent Etowah County ZIP reports
Nearest ZIP codes to 35903
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Alabama distress
Related ZIP, county and statewide reads linked to Etowah County, Alabama.
Open the complete 35903 acquisition file
Get every distressed property in 35903 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology