ZIP 38063 Foreclosure, Tax-Lien & Distress Report

In Lauderdale County, Tennessee, ZIP 38063 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (69/100), climate & FEMA risk (66/100). Leading the profile are structural risk (52/100), institutional ownership (43/100), construction/permit lag (33/100). construction/permit lag (33/100) and mortgage stress (19/100) stay muted. On the structural side it scores 52/100, with 6/100 of stress already active.

The market reads peak — home values rose 2.8% year on year, and 27% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $153,300 (2.8× income, relatively affordable). There are about 7,052 housing units across 38063. Vacancy runs 14.1%, above the national norm and a classic distress-and-opportunity signal. Owners hold 63% of homes, renters 37%. Educational attainment sits at 13% bachelor's-or-above. Rent burden reaches 40% of tenant households. 15,947 residents call 38063 home, typically aged 39. The demographic-stress sub-score lands at 33/100. 19.5% of residents fall below the poverty threshold. Median household income is $48,578, below the U.S. median near $78,000.

Net-net, 38063 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 38063 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Lauderdale County, Tennessee and the nation. Nothing here is interpolated — where a source is thin for 38063, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 24/100 figure for 38063 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 38063 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.