ZIP 38114 Foreclosure, Tax-Lien & Distress Report
Shelby County, Tennessee · High Vacancy market
Composite property distress in 38114 (Shelby County, Tennessee) lands at 30/100 — moderate on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). Latent structural risk is 65/100 while live distress already moving reads 6/100. Its standout signals 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).
The peak-phase market in 38114 posted values that rose 1.2% over the year, and 28% higher over three years (phase confidence 11/100). Topping markets hide individual distress behind strong averages.
Vacancy runs 21.5%, above the national norm and a classic distress-and-opportunity signal. Roughly 32.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $32,080, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 38/100. Around 50% of renters are cost-burdened. About 14% have a four-year degree. Home values center near $82,000, an affordability ratio of 2.5× — accessible. There are about 12,226 housing units across 38114. The tenure split is 46% owner-occupied to 54% rented. 20,440 residents call 38114 home, typically aged 42.
Taken together, 38114 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 38114 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 38114 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 38114, the field stays empty rather than modeled, and fills in as new documents post.
The 30/100 figure for 38114 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, 38114 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 38114
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
38114 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 38114, the same set carried on every parcel.
Other Shelby County ZIP codes
More distress data near 38114
Further distress data across Shelby County, Tennessee at ZIP, county and state level.
Get the full acquisition report for 38114
Every distressed parcel in 38114 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology