ZIP 38105 Foreclosure, Tax-Lien & Distress Report
Shelby County, Tennessee · High Vacancy market
ZIP 38105's composite property-distress score is 27/100 - DLRadar classes that as low for Shelby County, Tennessee. Its standout signals are structural risk (57/100), institutional ownership (48/100), mortgage stress (20/100). By contrast, mortgage stress (20/100) register low. Structural exposure scores 57 and live distress 6 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (86/100).
The market reads peak — home values rose 1.2% year on year (phase confidence 11/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Households earn a median $29,316 — below the roughly $78,000 national figure. Owners hold 14% of homes, renters 86%. The ZIP holds roughly 4,269 housing units. Home values center near $90,200, an affordability ratio of 2.6× — accessible. Educational attainment sits at 22% bachelor's-or-above. Population is roughly 5,151 with a median age of 44. Around 44% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 39/100. The poverty rate is 31.4% — high, a tax-stress and distress correlate. Vacancy runs 21.8%, above the national norm and a classic distress-and-opportunity signal.
On the whole, 38105 leans distressed, with opportunity clustered in specific stressed parcels. 38105 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 38105 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 38105, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Each component behind 38105 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. For an operator, 38105 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 38105
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 38105 by the numbers
The live 38105 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Shelby County ZIPs near 38105
Nearest ZIP codes to 38105
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Tennessee distress
Related ZIP, county and statewide reads linked to Shelby County, Tennessee.
The complete 38105 distress and acquisition report
See who owns each distressed property in 38105, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
No modelling: every input is a public record · methodology