ZIP 38126 Foreclosure, Tax-Lien & Distress Report
Shelby County, Tennessee · High Vacancy market
DLRadar grades ZIP 38126 (Shelby County, Tennessee) at a low 27/100 for overall property distress. Latent structural risk is 57/100 while live distress already moving reads 6/100. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (86/100). The most distinctive pressure shows up in structural risk (57/100), institutional ownership (48/100), mortgage stress (20/100). mortgage stress (20/100) stay muted.
Prices here sit in a peak phase: values rose 1.2% over the trailing year (phase confidence 11/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
5,723 residents call 38126 home, typically aged 28. Around 44% of renters are cost-burdened. The typical home is worth about $59,300 (1.9× income, relatively affordable). The vacancy rate is 17.2% — elevated. 16% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 40/100. Around 14% of adults hold a bachelor's degree or higher. Median household income is $30,825, below the U.S. median near $78,000. The ZIP holds roughly 3,381 housing units. The poverty rate is 45.3% — high, a tax-stress and distress correlate.
Net-net, 38126 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 38126 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The 38126 read uses the identical scoring model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 38126 stays directly comparable to neighboring ZIPs and the rest of Shelby County, Tennessee. Where the record is thin for 38126, the field stays empty rather than modeled, and fills in as new documents post.
The 27/100 for 38126 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 38126 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 38126
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 38126 distress 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 38126
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.
See every distressed parcel in 38126
The full 38126 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology