ZIP 35903 Foreclosure, Tax-Lien & Distress Report
Etowah County, Alabama · High Vacancy market
DLRadar grades ZIP 35903 (Etowah County, Alabama) at a low 25/100 for overall property distress. Structural risk reads 53/100 against active distress of 6/100. Climate and flood risk are elevated too — climate & FEMA risk (83/100), FEMA disaster exposure (78/100). Property-level stress concentrates in structural risk (53/100), institutional ownership (48/100), construction/permit lag (30/100). On the quiet end sit construction/permit lag (30/100) and 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 25/100 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 25/100 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
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Open the complete 35903 acquisition file
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Deterministic. Every signal traces to a public dataset · methodology