ZIP 38117 Foreclosure, Tax-Lien & Distress Report

ZIP code 38117 in Shelby County, Tennessee carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. 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). On the quiet end sit construction/permit lag (31/100) and mortgage stress (20/100). Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (85/100)).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 3% lower over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $311,800, an affordability ratio of 3.1× — accessible. Owners hold 76% of homes, renters 24%. About 26,327 people live here, median age 39. There are about 12,235 housing units across 38117. Vacancy runs 5.4%. Around 43% of renters are cost-burdened. Households earn a median $93,688 — above the roughly $78,000 national figure. Roughly 9.5% live below the poverty line. Around 60% of adults hold a bachelor's degree or higher. On demographic stress specifically, 38117 scores 25/100.

On balance 38117 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 38117 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 38117 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. 38117 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

38117's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 38117 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.