ZIP 38138 Foreclosure, Tax-Lien & Distress Report

ZIP 38138's composite property-distress score is 30/100 - DLRadar classes that as moderate for Shelby County, Tennessee. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The latent-versus-live split is 65/100 structural and 6/100 already moving. Leading the profile are 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).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 7% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $130,125, median income runs above typical U.S. levels. The poverty rate is 4.1% — low. 80% of housing is owner-occupied. Around 42% of renters are cost-burdened. About 69% have a four-year degree. The typical home is worth about $430,200 (3.0× income, relatively affordable). About 25,368 people live here, median age 44. On demographic stress specifically, 38138 scores 22/100. There are about 10,660 housing units across 38138. Vacancy runs 4.8%.

Net-net, 38138 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 38138 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 38138's 30/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 38138 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 30/100 for 38138 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 38138 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.