ZIP 38120 Foreclosure, Tax-Lien & Distress Report

Shelby County, Tennessee's ZIP 38120 registers 27/100 composite distress, which DLRadar reads as low. Structurally it carries 58/100, against 6/100 of stress already in motion. 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. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (86/100)).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 0% higher over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 6,507 housing units across 38120. Households earn a median $119,309 — above the roughly $78,000 national figure. Home values center near $460,700, an affordability ratio of 3.5× — accessible. On demographic stress specifically, 38120 scores 24/100. Population is roughly 13,249 with a median age of 45. Educational attainment sits at 71% bachelor's-or-above. Owners hold 73% of homes, renters 27%. Roughly 7.1% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 8.2%. Around 38% of renters are cost-burdened.

Overall, 38120 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 38120 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 38120's 27/100 can be lined up against any neighbor in Shelby County, Tennessee or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 38120 reflects the current record instead of a stale or modeled snapshot.

38120'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. For a buyer, 38120 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.