ZIP 38018 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 38018 (Shelby County, Tennessee) at a moderate 30/100 for overall property distress. Latent structural risk is 65/100 while live distress already moving reads 6/100. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The sharpest non-environmental signals are structural risk (65/100), institutional ownership (48/100), construction/permit lag (31/100). construction/permit lag (31/100) and mortgage stress (20/100) stay muted.

The peak-phase market in 38018 posted values that rose 1.2% over the year, and 4% higher over three years (phase confidence 11/100). Topping markets hide individual distress behind strong averages.

38,357 residents call 38018 home, typically aged 37. A median home runs $293,800 here, or 2.9 times local income. Vacancy runs 5.9%. The ZIP holds roughly 15,380 housing units. The tenure split is 63% owner-occupied to 37% rented. Households earn a median $89,627 — above the roughly $78,000 national figure. Rent burden reaches 41% of tenant households. Roughly 7.1% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 38018 scores 27/100. Around 46% of adults hold a bachelor's degree or higher.

Net-net, 38018 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 38018 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. 38018 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 30/100 for 38018 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 38018 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.