ZIP 38108 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 38108 in Shelby County, Tennessee comes in at 30, a moderate composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (85/100)). Leading the profile are 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). Structural risk reads 65/100 against active distress of 6/100.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 50% higher over three years (phase confidence 11/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 7,714 housing units. The poverty rate is 28.0% — high, a tax-stress and distress correlate. 18,501 residents call 38108 home, typically aged 34. Around 11% of adults hold a bachelor's degree or higher. The typical home is worth about $71,200 (1.8× income, relatively affordable). Households earn a median $35,435 — below the roughly $78,000 national figure. The tenure split is 47% owner-occupied to 53% rented. DLRadar's demographic-stress index for the area reads 34/100. The vacancy rate is 16.6% — elevated. Around 44% of renters are cost-burdened.

Taken together, 38108 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 38108 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 38108 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. Nothing here is interpolated — where a source is thin for 38108, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 38108 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. In workflow terms, 38108 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.