ZIP 38042 Foreclosure, Tax-Lien & Distress Report
Hardeman County, Tennessee · High Vacancy market
ZIP code 38042 in Hardeman County, Tennessee carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 41 and live distress 6 on the 0–100 scale. What sets it apart are the readings on institutional ownership (44/100), structural risk (41/100), construction/permit lag (39/100). By contrast, construction/permit lag (39/100) and mortgage stress (19/100) register low.
The market reads peak — home values rose 2.6% year on year, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 22% have a four-year degree. Roughly 18.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 451 people live here, median age 69. DLRadar's demographic-stress index for the area reads 38/100. Around 85% of renters are cost-burdened. There are about 392 housing units across 38042. Median household income is $48,897, below the U.S. median near $78,000. The vacancy rate is 28.1% — elevated. Home values center near $147,000, an affordability ratio of 3.0× — accessible. 78% of housing is owner-occupied.
Net-net, 38042 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 38042 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 38042 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 38042 shows blanks, not estimates, wherever the record is sparse.
38042's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 38042 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.
ZIP 38042 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 38042 distress snapshot
38042 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
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Unlock parcel-level detail for ZIP 38042
Open 38042 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology