ZIP 38122 Foreclosure, Tax-Lien & Distress Report
Shelby County, Tennessee · High Poverty market
DLRadar grades ZIP 38122 (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. Its heaviest discrete signals: structural risk (58/100), institutional ownership (49/100), mortgage stress (20/100). On the quiet end sit mortgage stress (20/100). Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (86/100)).
The peak-phase market in 38122 posted values that rose 1.2% over the year, and 10% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The vacancy rate is 8.8%. The poverty rate is 27.2% — high, a tax-stress and distress correlate. 49% of housing is owner-occupied. At $45,456, median income runs below typical U.S. levels. About 25,310 people live here, median age 31. There are about 9,934 housing units across 38122. Home values center near $123,000, an affordability ratio of 2.4× — accessible. Rent burden reaches 45% of tenant households. Educational attainment sits at 22% bachelor's-or-above. The demographic-stress sub-score lands at 34/100.
Taken together, 38122 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Big metro or rural, 38122 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. Sparse data for 38122 shows as blanks, never estimates, and the score updates on every fresh public filing.
38122's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 38122 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
ZIP 38122 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 are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 38122 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent Shelby County ZIP reports
Nearest ZIP codes to 38122
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Tennessee distress
Keep going: ZIP, county and state distress coverage for Shelby County, Tennessee.
The complete 38122 distress and acquisition report
Pull every distressed parcel in 38122 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Built from public records, scored the same way everywhere · methodology