ZIP 38103 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 38103 (Shelby County, Tennessee) returns a moderate composite of 30/100. Property-level stress concentrates in structural risk (65/100), institutional ownership (48/100), construction/permit lag (31/100). By contrast, construction/permit lag (31/100) and mortgage stress (20/100) register low. On the structural side it scores 65/100, with 6/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 15% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 9,303 housing units across 38103. The poverty rate is 8.1%. Households earn a median $75,763 — near the roughly $78,000 national figure. Around 37% of renters are cost-burdened. About 14,025 people live here, median age 34. The vacancy rate is 9.0%. About 61% have a four-year degree. Owners hold 31% of homes, renters 69%. On demographic stress specifically, 38103 scores 34/100. Home values center near $397,300, an affordability ratio of 5.0×.

Overall, 38103 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 38103 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 38103 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in Shelby County, Tennessee and the nation. Where the public record is thin for 38103, the field stays empty rather than modeled, and fills in as new documents post.

38103'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. The point of the 38103 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.