ZIP 38107 Property Distress & Foreclosure Data

Composite property distress in 38107 (Shelby County, Tennessee) lands at 36/100 — moderate on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The latent-versus-live split is 81/100 structural and 6/100 already moving. The sharpest non-environmental signals are construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). mortgage stress (20/100) stay muted.

Prices here sit in a recovery phase: values rose 2.2% over the trailing year, and 12% lower over three years (phase confidence 13/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

At $36,393, median income runs below typical U.S. levels. Around 57% of renters are cost-burdened. The demographic-stress sub-score lands at 41/100. 38% of housing is owner-occupied. Around 24% of adults hold a bachelor's degree or higher. The typical home is worth about $152,000 (3.5× income, relatively affordable). The poverty rate is 28.6% — high, a tax-stress and distress correlate. 14,254 residents call 38107 home, typically aged 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.