ZIP 35905 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 35905 (Etowah County, Alabama) lands at 28/100 — low on DLRadar's public-record scoring. The split runs 60/100 structural to 7/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (86/100), FEMA disaster exposure (78/100). Leading the profile are structural risk (60/100), institutional ownership (50/100), construction/permit lag (47/100). On the quiet end sit mortgage stress (22/100).

The peak-phase market in 35905 posted values that rose 3.5% over the year, 3.5% off the recent peak, and 20% higher over three years, at 35/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

6,308 residents call 35905 home, typically aged 43. Owners hold 83% of homes, renters 17%. A median home runs $195,600 here, or 2.9 times local income. Vacancy runs 17.3%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 2,872 housing units. The poverty rate is 10.3%. Households earn a median $65,505 — below the roughly $78,000 national figure. Rent burden reaches 21% of tenant households. Around 20% of adults hold a bachelor's degree or higher. On demographic stress specifically, 35905 scores 26/100.

Net-net, 35905 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 35905 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 35905 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 35905 shows blanks, not estimates, wherever the record is sparse.

The 28/100 for 35905 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 35905 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.