ZIP 38104 Foreclosure, Tax-Lien & Distress Report

ZIP code 38104 in Shelby County, Tennessee carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (85/100)). Its standout signals are structural risk (65/100), institutional ownership (48/100), construction/permit lag (31/100). construction/permit lag (31/100) and mortgage stress (20/100) stay muted. Structural risk reads 65/100 against active distress of 6/100.

The peak-phase market in 38104 posted values that rose 1.2% over the year, and 9% lower over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 22,925 people live here, median age 37. A median home runs $317,200 here, or 5.3 times local income. 39% of housing is owner-occupied. Vacancy runs 9.6%. There are about 14,392 housing units across 38104. The poverty rate is 14.1%. On demographic stress specifically, 38104 scores 36/100. At $56,452, median income runs below typical U.S. levels. Around 38% of renters are cost-burdened. Around 52% of adults hold a bachelor's degree or higher.

Overall, 38104 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 38104 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 38104 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38104 can be compared directly against any other ZIP in Shelby County, Tennessee or nationwide. Nothing here is interpolated — where a source is thin for 38104, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

38104's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 38104 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.