ZIP 38115 Foreclosure, Tax-Lien & Distress Report
Shelby County, Tennessee · High Vacancy market
DLRadar grades ZIP 38115 (Shelby County, Tennessee) at a low 27/100 for overall property distress. The latent-versus-live split is 58/100 structural and 6/100 already moving. Property-level stress concentrates in structural risk (58/100), institutional ownership (49/100), mortgage stress (20/100). By contrast, mortgage stress (20/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (86/100).
The peak-phase market in 38115 posted values that rose 1.2% over the year, and 10% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Population is roughly 36,878 with a median age of 30. The demographic-stress sub-score lands at 38/100. There are about 19,031 housing units across 38115. The tenure split is 23% owner-occupied to 77% rented. Educational attainment sits at 14% bachelor's-or-above. Vacancy runs 16.2%, above the national norm and a classic distress-and-opportunity signal. Roughly 19.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Households earn a median $42,931 — below the roughly $78,000 national figure. The typical home is worth about $145,400 (3.0× income, relatively affordable). Rent burden reaches 48% of tenant households.
On the whole, 38115 leans distressed, with opportunity clustered in specific stressed parcels. While 38115 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 38115 runs through one identical scoring model, so its 27/100 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 38115, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
38115's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 38115 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 38115 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 38115 Stress Report snapshot
A live read on 38115: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Nearby ZIPs in Shelby County
Nearest ZIP codes to 38115
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Tennessee distress
Further distress data across Shelby County, Tennessee at ZIP, county and state level.
Get the full acquisition report for 38115
Open 38115 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology