ZIP 38220 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38220 (Carroll County, Tennessee) lands at 19/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). Structurally it carries 39/100, against 5/100 of stress already in motion. The pressure is most legible in structural risk (39/100), institutional ownership (35/100), mortgage stress (16/100). mortgage stress (16/100) and construction/permit lag (1/100) stay muted.

The market reads neutral — home values rose 3.8% year on year (phase confidence 22/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The demographic-stress sub-score lands at 27/100. Roughly 15.5% live below the poverty line. At $43,698, median income runs below typical U.S. levels. Rent burden reaches 33% of tenant households. Owners hold 87% of homes, renters 13%. Vacancy runs 18.9%, above the national norm and a classic distress-and-opportunity signal. About 13% have a four-year degree. The ZIP holds roughly 893 housing units. 1,824 residents call 38220 home, typically aged 42. A median home runs $103,900 here, or 2.1 times local income.

On the whole, 38220 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 38220 at the moment; the composite and its components are still built from verifiable public records.

Whether 38220 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38220 can be compared directly against any other ZIP in Carroll County, Tennessee or nationwide. Where the public record is thin for 38220, the field stays empty rather than modeled, and fills in as new documents post.

The 19/100 figure for 38220 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, 38220 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.