ZIP 35904 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 35904 in Etowah County, Alabama comes in at 25, a low composite-distress reading. Property-level stress concentrates in structural risk (53/100), institutional ownership (47/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (21/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), FEMA disaster exposure (78/100). Latent structural risk is 53/100 while live distress already moving reads 6/100.

Prices here sit in a peak phase: values rose 0.6% over the trailing year, 4.6% off the recent peak, and 20% higher over three years (phase confidence 47/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 32% of tenant households. The poverty rate is 26.3% — high, a tax-stress and distress correlate. Home values center near $117,700, an affordability ratio of 2.5× — accessible. Vacancy runs 19.0%, above the national norm and a classic distress-and-opportunity signal. Median household income is $40,915, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 32/100. Around 11% of adults hold a bachelor's degree or higher. There are about 6,206 housing units across 35904. 13,571 residents call 35904 home, typically aged 41. The tenure split is 70% owner-occupied to 30% rented.

On the whole, 35904 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 35904 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 35904 runs through one identical public-record model, so its 25/100 sits on the same scale as every other ZIP in Etowah County, Alabama and the nation. Sparse data for 35904 shows as blanks, never estimates, and the score updates on every fresh public filing.

35904'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. For an operator, 35904 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.