ZIP 38075 Foreclosure, Tax-Lien & Distress Report

ZIP 38075's composite property-distress score is 20/100 - DLRadar classes that as low for Hardeman County, Tennessee. Latent structural risk is 41/100 while live distress already moving reads 6/100. The sharpest non-environmental signals are institutional ownership (43/100), structural risk (41/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (19/100) register low.

The peak-phase market in 38075 posted values that rose 2.6% over the year, at 25/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The demographic-stress sub-score lands at 33/100. 6,857 residents call 38075 home, typically aged 39. Median household income is $48,222, below the U.S. median near $78,000. Around 53% of renters are cost-burdened. The typical home is worth about $114,900 (2.3× income, relatively affordable). Owners hold 65% of homes, renters 35%. Roughly 18.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 10.5%. Around 7% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,475 housing units.

Net-net, 38075 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 38075 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 38075 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 38075 stays directly comparable to neighboring ZIPs and the rest of Hardeman County, Tennessee. Where the public record is thin for 38075, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 38075 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 38075 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.