ZIP 38232 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 38232 (Obion County, Tennessee) at a moderate 31/100 for overall property distress. The split runs 70/100 structural to 6/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (79/100). The most distinctive pressure shows up in construction/permit lag (72/100), structural risk (70/100), institutional ownership (47/100). On the quiet end sit mortgage stress (20/100).

Prices here sit in a peak phase: values rose 2.0% over the trailing year (phase confidence 19/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 80% of homes, renters 20%. Vacancy runs 24.5%, above the national norm and a classic distress-and-opportunity signal. Home values center near $103,200, an affordability ratio of 1.6× — accessible. Households earn a median $49,438 — below the roughly $78,000 national figure. There are about 1,282 housing units across 38232. Educational attainment sits at 8% bachelor's-or-above. The poverty rate is 9.8%. The demographic-stress sub-score lands at 23/100. Population is roughly 2,254 with a median age of 52. Rent burden reaches 15% of tenant households.

On the whole, 38232 leans distressed, with opportunity clustered in specific stressed parcels. 38232 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 38232 runs hot or quiet, its 31/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38232 can be compared directly against any other ZIP in Obion County, Tennessee or nationwide. The score is rebuilt from public data as it updates, so 38232 reflects the current record instead of a stale or modeled snapshot.

Each component behind 38232 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 31/100 roll-up. Treat 38232 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.