ZIP 38257 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 38257 (Obion County, Tennessee) returns a moderate composite of 30/100. Property-level stress concentrates in construction/permit lag (72/100), structural risk (67/100), institutional ownership (44/100). mortgage stress (19/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (78/100), flood (NFIP) exposure (76/100). Structurally it carries 67/100, against 6/100 of stress already in motion.

The peak-phase market in 38257 posted values that rose 2.0% over the year, and 17% higher over three years, at 19/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $56,527, median income runs below typical U.S. levels. The poverty rate is 15.6%. The ZIP holds roughly 2,168 housing units. DLRadar's demographic-stress index for the area reads 29/100. The vacancy rate is 14.3% — elevated. Educational attainment sits at 18% bachelor's-or-above. Rent burden reaches 44% of tenant households. Owners hold 73% of homes, renters 27%. The typical home is worth about $103,100 (2.1× income, relatively affordable). Population is roughly 4,205 with a median age of 47.

Taken together, 38257 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 38257 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 38257 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 38257 can be compared directly against any other ZIP in Obion County, Tennessee or nationwide. Sparse data for 38257 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 30/100 for 38257 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 38257 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.