Clay County, TN: Foreclosures, Tax Liens & Distressed Properties

Clay County, Tennessee is mapped parcel-to-ZIP by DLRadar's public-record distress engine. The county spans 7 scored ZIP codes, averaging 13/100 composite distress. The county's ZIP scores run from 9 up to 17/100. Lender pressure in Clay County registers 70/100 — a elevated bank-stress headwind.

In its peak phase, Clay County home prices rose 2.8% across the last year (phase confidence 27/100). With pricing topped out, the average masks the outliers as the ZIP scores below show.

Clay County's topped-out +2.8% YoY (27/100 confidence) means opportunity is parcel-specific — target the few ZIPs carrying distress. An elevated 70/100 reading signals what's coming: expect more lender-driven inventory soon.

Leading Clay County on distress: 38588 (17/100), 37150 (16/100), 38551 (14/100), 38575 (14/100), 38541 (12/100), 38568 (12/100). Coverage extends to 38573 among others.

Profile-wise, Clay County's tracked footprint run 78% owner-occupancy, a median age of 48.4, 19.3% of units sitting vacant, 20.2% of households below the poverty line, median home values around $171,443 (below the national figure), incomes around $41,967. Numbers like these drive who sells under pressure and how fast a deal moves.

Clay County, Tennessee's 13/100 average over 7 ZIPs says distress here is parcel-specific — work it parcel by parcel. A DLRadar subscription opens every Clay County parcel: owner, mailing address, APN, a per-parcel score, lender exposure and exit read.

Whether Clay County, Tennessee carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Clay County can be compared directly against any county in the country.

For anyone buying in Clay County, the scores answer one question first — which ZIPs deserve the marketing budget, with the top reading 17/100. Nothing in the Clay County read is modelled: recorder and court filings drive foreclosure and lien signals, FHFA sets the price cycle, FDIC the lender stress, and a thin source stays blank.

The ZIP breakdown for Clay County leads with 38588 (17/100), 37150 (16/100), 38551 (14/100), 38575 (14/100), 38541 (12/100), 38568 (12/100). DLRadar also scores 38573 across the county. Because each ZIP is graded on its own foreclosure, tax and lender record, the county's distress is best read code by code rather than as a single number.

DLRadar's composite for Clay County blends several independent signals — foreclosure and pre-foreclosure filings, mortgage stress, tax delinquency and liens, and the bank-stress headwind of the lenders operating locally — into one 0–100 score per ZIP, so a market can rank high on one axis and low on another.