ZIP 38135 Foreclosure, Tax-Lien & Distress Report

ZIP code 38135 in Shelby County, Tennessee carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). Property-level stress concentrates 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). Structurally it carries 65/100, against 6/100 of stress already in motion.

The peak-phase market in 38135 posted values that rose 1.2% over the year, and 7% higher over three years (phase confidence 11/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 11,068 housing units across 38135. Home values center near $287,000, an affordability ratio of 2.9× — accessible. Vacancy runs 2.2%. The tenure split is 81% owner-occupied to 19% rented. Roughly 8.3% live below the poverty line. Median household income is $92,458, above the U.S. median near $78,000. Rent burden reaches 41% of tenant households. DLRadar's demographic-stress index for the area reads 26/100. About 30,490 people live here, median age 41. About 38% have a four-year degree.

On balance 38135 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 38135 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 38135's 30/100 can be lined up against any neighbor in Shelby County, Tennessee or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 38135, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 30/100 figure for 38135 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 38135 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.