ZIP 38107 Foreclosure, Tax-Lien & Distress Report

Shelby County, Tennessee's ZIP 38107 registers 30/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The latent-versus-live split is 65/100 structural and 6/100 already moving. Property-level stress concentrates in structural risk (65/100), institutional ownership (48/100), construction/permit lag (31/100). On the quiet end sit construction/permit lag (31/100) and mortgage stress (20/100).

The peak-phase market in 38107 posted values that rose 1.2% over the year, and 12% lower over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $36,393, below the U.S. median near $78,000. Rent burden reaches 57% of tenant households. The demographic-stress sub-score lands at 41/100. The tenure split is 38% owner-occupied to 62% rented. Around 24% of adults hold a bachelor's degree or higher. The typical home is worth about $152,000 (3.5× income, relatively affordable). 28.6% of residents fall below the poverty threshold. About 14,254 people live here, median age 38. The ZIP holds roughly 8,332 housing units. The vacancy rate is 17.7% — elevated.

Taken together, 38107 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 38107 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 38107 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in Shelby County, Tennessee and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 38107 shows blanks, not estimates, wherever the record is sparse.

Behind 38107's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 38107 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.