ZIP 38139 Foreclosure, Tax-Lien & Distress Report
Shelby County, Tennessee · Distress market
DLRadar grades ZIP 38139 (Shelby County, Tennessee) at a moderate 30/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (85/100). The sharpest non-environmental signals 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). The latent-versus-live split is 65/100 structural and 6/100 already moving.
The peak-phase market in 38139 posted values that rose 1.2% over the year, and 9% higher over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.
About 16,298 people live here, median age 45. Home values center near $575,500, an affordability ratio of 3.1× — accessible. The ZIP holds roughly 6,053 housing units. Owners hold 97% of homes, renters 3%. About 74% have a four-year degree. DLRadar's demographic-stress index for the area reads 15/100. At $174,052, median income runs above typical U.S. levels. 0.9% of residents fall below the poverty threshold. The vacancy rate is 1.9%. Around 10% of renters are cost-burdened.
Net-net, 38139 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 38139 at the moment; the composite and its components are still built from verifiable public records.
Whether 38139 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38139 can be compared directly against any other ZIP in Shelby County, Tennessee or nationwide. Nothing here is interpolated — where a source is thin for 38139, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 30/100 figure for 38139 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. Treat 38139 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 38139’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
38139 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 38139, the same set carried on every parcel.
Other Shelby County ZIP codes
Related reports across Shelby County, Tennessee
Further distress data across Shelby County, Tennessee at ZIP, county and state level.
Open the complete 38139 acquisition file
The full 38139 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology