ZIP 38106 Foreclosure, Tax-Lien & Distress Report

ZIP 38106's composite property-distress score is 30/100 - DLRadar classes that as moderate for Shelby County, Tennessee. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The pressure is most legible 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. The latent-versus-live split is 65/100 structural and 6/100 already moving.

The peak-phase market in 38106 posted values that rose 1.2% over the year, and 11% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

21,827 residents call 38106 home, typically aged 42. There are about 11,226 housing units across 38106. The tenure split is 36% owner-occupied to 64% rented. Educational attainment sits at 12% bachelor's-or-above. The typical home is worth about $71,800 (2.2× income, relatively affordable). Rent burden reaches 50% of tenant households. The vacancy rate is 21.5% — elevated. 41.5% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 40/100. Median household income is $29,818, below the U.S. median near $78,000.

Net-net, 38106 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 38106 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 38106's 30/100 can be lined up against any neighbor in Shelby County, Tennessee or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 38106 reflects the current record instead of a stale or modeled snapshot.

The 30/100 figure for 38106 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 38106 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.