ZIP 38104 Property Distress & Foreclosure Data

ZIP code 38104 in Shelby County, Tennessee carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). What sets it apart are the readings on construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). mortgage stress (20/100) stay muted. Structural exposure scores 81 and live distress 6 on the 0–100 scale.

Prices here sit in a recovery phase: values rose 2.2% over the trailing year, and 9% lower over three years, at 13/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

22,925 residents call 38104 home, typically aged 37. The typical home is worth about $317,200 (5.3× 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%. The demographic-stress sub-score lands at 36/100. At $56,452, median income runs below typical U.S. levels. Rent burden reaches 38% of tenant households. 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.