ZIP 35954 Foreclosure, Tax-Lien & Distress Report

ZIP code 35954 in Etowah County, Alabama carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic distress index. On the structural side it scores 58/100, with 6/100 of stress already active. Its heaviest discrete signals: structural risk (58/100), construction/permit lag (47/100), institutional ownership (46/100). On the quiet end sit mortgage stress (21/100). Climate and flood risk are elevated too — climate & FEMA risk (85/100), FEMA disaster exposure (85/100).

Prices here sit in a peak phase: values rose 0.7% over the trailing year, 4.4% off the recent peak, and 23% higher over three years (phase confidence 46/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 5,656 housing units across 35954. The typical home is worth about $135,700 (2.3× income, relatively affordable). The tenure split is 82% owner-occupied to 18% rented. Roughly 12.9% live below the poverty line. Households earn a median $56,004 — below the roughly $78,000 national figure. Around 35% of renters are cost-burdened. Vacancy runs 17.1%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 28/100. 12,170 residents call 35954 home, typically aged 45. About 12% have a four-year degree.

Taken together, 35954 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 35954's 27/100 can be lined up against any neighbor in Etowah County, Alabama or any ZIP coast to coast. 35954 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 27/100 for 35954 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 35954 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.