ZIP 38039 Foreclosure, Tax-Lien & Distress Report

In Hardeman County, Tennessee, ZIP 38039 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (64/100). Structurally it carries 38/100, against 5/100 of stress already in motion. Leading the profile are institutional ownership (39/100), structural risk (38/100), construction/permit lag (22/100). By contrast, construction/permit lag (22/100) and mortgage stress (17/100) register low.

The peak-phase market in 38039 posted values that rose 2.1% over the year, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 27% of tenant households. About 1,377 people live here, median age 47. Around 10% of adults hold a bachelor's degree or higher. The typical home is worth about $111,900 (3.1× income, relatively affordable). DLRadar's demographic-stress index for the area reads 31/100. 76% of housing is owner-occupied. Households earn a median $44,063 — below the roughly $78,000 national figure. Vacancy runs 27.4%, above the national norm and a classic distress-and-opportunity signal. 17.4% of residents fall below the poverty threshold. The ZIP holds roughly 777 housing units.

Net-net, 38039 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 38039 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 38039's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 38039, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 38039 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 18/100 roll-up. The point of the 38039 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.