ZIP 38114 Property Distress & Foreclosure Data

In Shelby County, Tennessee, ZIP 38114 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The latent-versus-live split is 81/100 structural and 6/100 already moving. Its standout signals are construction/permit lag (89/100), structural risk (81/100), institutional ownership (51/100). By contrast, mortgage stress (20/100) register low.

The market reads recovery — home values rose 2.2% year on year, and 28% higher over three years (phase confidence 13/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 21.5% — elevated. 32.0% of residents fall below the poverty threshold. 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. Educational attainment sits at 14% bachelor's-or-above. Home values center near $82,000, an affordability ratio of 2.5× — accessible. The ZIP holds roughly 12,226 housing units. Owners hold 46% of homes, renters 54%. About 20,440 people live here, median age 42.

Net-net, 38114 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.