ZIP 38109 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 38109 (Shelby County, Tennessee) returns a moderate composite of 30/100. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (85/100)). The latent-versus-live split is 65/100 structural and 6/100 already moving. The sharpest non-environmental signals are 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.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 15% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 31.6% — high, a tax-stress and distress correlate. Around 57% of renters are cost-burdened. Vacancy runs 11.5%, above the national norm and a classic distress-and-opportunity signal. About 14% have a four-year degree. On demographic stress specifically, 38109 scores 36/100. There are about 18,865 housing units across 38109. Median household income is $36,934, below the U.S. median near $78,000. A median home runs $80,400 here, or 2.1 times local income. 54% of housing is owner-occupied. 43,764 residents call 38109 home, typically aged 39.

Taken together, 38109 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 38109 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 38109 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. The score is rebuilt from public data as it updates, so 38109 reflects the current record instead of a stale or modeled snapshot.

Behind 38109'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 38109 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.