ZIP 38118 Foreclosure, Tax-Lien & Distress Report

Shelby County, Tennessee's ZIP 38118 registers 30/100 composite distress, which DLRadar reads as moderate. Leading the profile are structural risk (65/100), institutional ownership (48/100), construction/permit lag (31/100). construction/permit lag (31/100) and mortgage stress (20/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). On the structural side it scores 65/100, with 6/100 of stress already active.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 19% higher over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $42,464, median income runs below typical U.S. levels. The vacancy rate is 18.7% — elevated. On demographic stress specifically, 38118 scores 39/100. About 12% have a four-year degree. Roughly 32.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Home values center near $107,600, an affordability ratio of 2.3× — accessible. The ZIP holds roughly 16,253 housing units. 39,162 residents call 38118 home, typically aged 29. Around 50% of renters are cost-burdened. The tenure split is 38% owner-occupied to 62% rented.

Taken together, 38118 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 38118 at the moment; the composite and its components are still built from verifiable public records.

Whether 38118 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38118 can be compared directly against any other ZIP in Shelby County, Tennessee or nationwide. 38118 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 38118's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 38118 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.