ZIP 38004 Foreclosure, Tax-Lien & Distress Report
Tipton County, Tennessee · Distress market
ZIP code 38004 in Tipton County, Tennessee carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (87/100), climate & FEMA risk (83/100). Structurally it carries 58/100, against 6/100 of stress already in motion. The most distinctive pressure shows up in structural risk (58/100), institutional ownership (47/100), construction/permit lag (22/100). By contrast, construction/permit lag (22/100) and mortgage stress (20/100) register low.
Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 17% higher over three years (phase confidence 11/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Vacancy runs 2.3%. Around 29% of adults hold a bachelor's degree or higher. The ZIP holds roughly 4,313 housing units. Around 25% of renters are cost-burdened. The poverty rate is 5.6% — low. DLRadar's demographic-stress index for the area reads 24/100. Households earn a median $90,451 — above the roughly $78,000 national figure. The tenure split is 86% owner-occupied to 14% rented. The typical home is worth about $320,900 (3.1× income, relatively affordable). 11,696 residents call 38004 home, typically aged 40.
Net-net, 38004 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 38004 is not published yet -- the ZIP-level readings above remain fully sourced.
Because one deterministic model scores every ZIP, 38004's 26/100 can be lined up against any neighbor in Tipton County, Tennessee or any ZIP coast to coast. Where the record is thin for 38004, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 38004 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. For a buyer, 38004 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.
Signal-by-signal read on 38004
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 38004 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 38004, the same set carried on every parcel.
Tipton County ZIPs near 38004
Nearest ZIP codes to 38004
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Tennessee distress
Further distress data across Tipton County, Tennessee at ZIP, county and state level.
See every distressed parcel in 38004
The full 38004 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology