ZIP 38012 Foreclosure, Tax-Lien & Distress Report
Haywood County, Tennessee · High Poverty market
Composite property distress in 38012 (Haywood County, Tennessee) lands at 19/100 — low on DLRadar's public-record scoring. The latent-versus-live split is 42/100 structural and 6/100 already moving. The sharpest non-environmental signals are institutional ownership (43/100), structural risk (42/100), mortgage stress (19/100). On the quiet end sit mortgage stress (19/100). Environmental exposure also runs high (flood (NFIP) exposure (69/100)).
The peak-phase market in 38012 posted values that rose 2.8% over the year, and 36% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.
The typical home is worth about $161,500 (3.1× income, relatively affordable). The poverty rate is 24.4% — high, a tax-stress and distress correlate. Population is roughly 13,079 with a median age of 43. Educational attainment sits at 13% bachelor's-or-above. Owners hold 52% of homes, renters 48%. Vacancy runs 11.2%. Households earn a median $41,485 — below the roughly $78,000 national figure. There are about 6,031 housing units across 38012. Around 39% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 35/100.
On the whole, 38012 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 38012 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 38012's 19/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 38012 reflects the current record instead of a stale or modeled snapshot.
38012's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 38012 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 38012
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
38012 at a glance
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Haywood County
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Other reports tied to Haywood County, Tennessee — ZIP, county and statewide.
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Rules-based scoring — each signal ties to a public dataset · methodology