ZIP 38104 Foreclosure, Tax-Lien & Distress Report
Shelby County, Tennessee · Distress market
ZIP code 38104 in Shelby County, Tennessee carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic distress index. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (86/100)). Its standout signals are structural risk (58/100), institutional ownership (49/100), mortgage stress (20/100). mortgage stress (20/100) stay muted. Structural risk reads 58/100 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 27/100 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.
What is driving ZIP 38104’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 38104 distress snapshot
A live read on 38104: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Neighbouring ZIPs in Shelby County
Nearest ZIP codes to 38104
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Further distress data across Shelby County, Tennessee at ZIP, county and state level.
Unlock parcel-level detail for ZIP 38104
Get every distressed property in 38104 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Each signal above is traceable to an open dataset · methodology