ZIP 35952 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 35952 in Etowah County, Alabama comes in at 27, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (77/100), FEMA disaster exposure (74/100). The most distinctive pressure shows up in structural risk (57/100), institutional ownership (48/100), construction/permit lag (46/100). On the quiet end sit mortgage stress (20/100). On the structural side it scores 57/100, with 6/100 of stress already active.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, 2.6% off the recent peak, and 17% higher over three years (phase confidence 36/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $117,500, an affordability ratio of 2.7× — accessible. On demographic stress specifically, 35952 scores 31/100. 8,901 residents call 35952 home, typically aged 42. The tenure split is 78% owner-occupied to 22% rented. Vacancy runs 13.9%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 22.8% — high, a tax-stress and distress correlate. Median household income is $44,973, below the U.S. median near $78,000. Rent burden reaches 33% of tenant households. The ZIP holds roughly 3,634 housing units. Around 12% of adults hold a bachelor's degree or higher.

Taken together, 35952 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 35952 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 35952 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 35952 reflects the current record instead of a stale or modeled snapshot.

The 27/100 figure for 35952 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 a buyer, 35952 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.