ZIP 38127 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 38127 (Shelby County, Tennessee) at a low 27/100 for overall property distress. Property-level stress concentrates in structural risk (57/100), institutional ownership (48/100), mortgage stress (20/100). By contrast, mortgage stress (20/100) register low. Structural risk reads 57/100 against active distress of 6/100. It additionally carries heavy environmental risk: 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 19% higher over three years (phase confidence 11/100). Topping markets hide individual distress behind strong averages.

Households earn a median $37,768 — below the roughly $78,000 national figure. Roughly 34.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 39,553 residents call 38127 home, typically aged 32. The tenure split is 46% owner-occupied to 54% rented. Rent burden reaches 56% of tenant households. About 11% have a four-year degree. The typical home is worth about $90,300 (2.2× income, relatively affordable). DLRadar's demographic-stress index for the area reads 39/100. Vacancy runs 19.2%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 17,662 housing units.

On the whole, 38127 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 38127 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 38127's 27/100 can be lined up against any neighbor in Shelby County, Tennessee or any ZIP coast to coast. Sparse data for 38127 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 38127'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. In workflow terms, 38127 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.