ZIP 38128 Foreclosure, Tax-Lien & Distress Report

Shelby County, Tennessee's ZIP 38128 registers 30/100 composite distress, which DLRadar reads as moderate. Structurally it carries 65/100, against 6/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The most distinctive pressure shows up in structural risk (65/100), institutional ownership (48/100), construction/permit lag (31/100). On the quiet end sit construction/permit lag (31/100) and mortgage stress (20/100).

The peak-phase market in 38128 posted values that rose 1.2% over the year, and 20% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $138,000 (2.9× income, relatively affordable). Median household income is $43,166, below the U.S. median near $78,000. There are about 18,059 housing units across 38128. The demographic-stress sub-score lands at 37/100. Owners hold 42% of homes, renters 58%. Rent burden reaches 50% of tenant households. Vacancy runs 12.3%, above the national norm and a classic distress-and-opportunity signal. Roughly 22.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 44,027 residents call 38128 home, typically aged 31. About 15% have a four-year degree.

On the whole, 38128 leans distressed, with opportunity clustered in specific stressed parcels. 38128 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 38128's 30/100 can be lined up against any neighbor in Shelby County, Tennessee or any ZIP coast to coast. 38128 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 38128 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. In workflow terms, 38128 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.