ZIP 38134 Foreclosure, Tax-Lien & Distress Report

Shelby County, Tennessee's ZIP 38134 registers 27/100 composite distress, which DLRadar reads as low. Its standout signals are structural risk (58/100), institutional ownership (49/100), mortgage stress (20/100). By contrast, mortgage stress (20/100) register low. Structural risk reads 58/100 against active distress of 6/100. 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 8% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The poverty rate is 11.9%. Rent burden reaches 36% of tenant households. The vacancy rate is 6.3%. About 21% have a four-year degree. 42,500 residents call 38134 home, typically aged 34. 49% of housing is owner-occupied. Median household income is $61,172, below the U.S. median near $78,000. There are about 15,781 housing units across 38134. On demographic stress specifically, 38134 scores 31/100. A median home runs $207,000 here, or 3.0 times local income.

On balance 38134 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 38134 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 38134's 27/100 can be lined up against any neighbor in Shelby County, Tennessee or any ZIP coast to coast. Where the record is thin for 38134, the field stays empty rather than modeled, and fills in as new documents post.

38134's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 38134 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.