ZIP 38231 Foreclosure, Tax-Lien & Distress Report

ZIP 38231's composite property-distress score is 29/100 - DLRadar classes that as low for Henry County, Tennessee. What sets it apart are the readings on construction/permit lag (66/100), structural risk (64/100), institutional ownership (42/100). By contrast, mortgage stress (20/100) register low. Environmental exposure also runs high (climate & FEMA risk (82/100), flood (NFIP) exposure (64/100)). Structural exposure scores 64 and live distress 6 on the 0–100 scale.

The market reads peak — home values rose 2.0% year on year, at 19/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $38,810, median income runs below typical U.S. levels. 29.5% of residents fall below the poverty threshold. The tenure split is 73% owner-occupied to 27% rented. Around 45% of renters are cost-burdened. The ZIP holds roughly 900 housing units. Educational attainment sits at 9% bachelor's-or-above. Home values center near $88,100, an affordability ratio of 2.2× — accessible. On demographic stress specifically, 38231 scores 34/100. Vacancy runs 15.7%, above the national norm and a classic distress-and-opportunity signal. About 2,012 people live here, median age 42.

Net-net, 38231 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 38231's 29/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 38231, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 29/100 figure for 38231 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 38231 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.