ZIP 35907 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 35907 (Etowah County, Alabama) at a low 27/100 for overall property distress. Structurally it carries 56/100, against 6/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (86/100), FEMA disaster exposure (74/100). Its standout signals are structural risk (56/100), construction/permit lag (46/100), institutional ownership (44/100). mortgage stress (21/100) stay muted.

The peak-phase market in 35907 posted values that rose 0.6% over the year, 4.6% off the recent peak, and 15% higher over three years (phase confidence 47/100). Topping markets hide individual distress behind strong averages.

Home values center near $227,200, an affordability ratio of 2.8× — accessible. Median household income is $73,790, near the U.S. median near $78,000. 9,299 residents call 35907 home, typically aged 41. Owners hold 92% of homes, renters 8%. The ZIP holds roughly 3,508 housing units. Rent burden reaches 27% of tenant households. The vacancy rate is 6.6%. Around 23% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 24/100. Roughly 5.6% live below the poverty line, a low share typical of higher-equity areas.

Overall, 35907 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 35907 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: 35907's 27/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 35907 reflects the current record instead of a stale or modeled snapshot.

35907's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 35907 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.