ZIP 38116 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 38116 in Shelby County, Tennessee comes in at 30, a moderate composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). Structural risk reads 65/100 against active distress of 6/100. Property-level stress concentrates in 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 25% higher over three years (phase confidence 11/100). Topping markets hide individual distress behind strong averages.

Households earn a median $44,663 — below the roughly $78,000 national figure. Around 50% of renters are cost-burdened. On demographic stress specifically, 38116 scores 38/100. The typical home is worth about $138,600 (2.8× income, relatively affordable). The poverty rate is 29.7% — high, a tax-stress and distress correlate. Around 21% of adults hold a bachelor's degree or higher. There are about 18,546 housing units across 38116. The vacancy rate is 16.9% — elevated. 41,393 residents call 38116 home, typically aged 34. The tenure split is 44% owner-occupied to 56% rented.

On the whole, 38116 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 38116 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 38116 read uses the identical public-record model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 38116 stays directly comparable to neighboring ZIPs and the rest of Shelby County, Tennessee. Where the public record is thin for 38116, the field stays empty rather than modeled, and fills in as new documents post.

The 30/100 figure for 38116 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. Practically, 38116 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.