ZIP 35973 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 35973 (Cherokee County, Alabama) lands at 30/100 — moderate on DLRadar's public-record scoring. What sets it apart are the readings on construction/permit lag (82/100), structural risk (68/100), institutional ownership (58/100). mortgage stress (27/100) stay muted. The latent-versus-live split is 68/100 structural and 8/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100), flood (NFIP) exposure (71/100).

The market reads expansion — home values rose 5.0% year on year (phase confidence 34/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $62,652, below the U.S. median near $78,000. Home values center near $69,400, an affordability ratio of 1.6× — accessible. The poverty rate is 7.9%. Rent burden reaches 4% of tenant households. Educational attainment sits at 14% bachelor's-or-above. Vacancy runs 23.0%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 35973 scores 21/100. The ZIP holds roughly 1,428 housing units. Population is roughly 3,313 with a median age of 39. Owners hold 82% of homes, renters 18%.

On the whole, 35973 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 35973 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 35973 read uses the identical public-record model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 35973 stays directly comparable to neighboring ZIPs and the rest of Cherokee County, Alabama. Nothing here is interpolated — where a source is thin for 35973, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 35973 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. Practically, 35973 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.