ZIP 38305 Foreclosure, Tax-Lien & Distress Report

ZIP 38305's composite property-distress score is 30/100 - DLRadar classes that as moderate for Madison County, Tennessee. What sets it apart are the readings on structural risk (66/100), construction/permit lag (51/100), institutional ownership (45/100). mortgage stress (19/100) stay muted. On the structural side it scores 66/100, with 6/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (79/100)).

The expansion-phase market in 38305 posted values that rose 6.2% over the year, and 14% higher over three years (phase confidence 71/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $243,800, an affordability ratio of 3.3× — accessible. The poverty rate is 14.7%. Median household income is $66,292, below the U.S. median near $78,000. Educational attainment sits at 32% bachelor's-or-above. On demographic stress specifically, 38305 scores 32/100. There are about 23,270 housing units across 38305. Rent burden reaches 48% of tenant households. Population is roughly 53,366 with a median age of 38. 65% of housing is owner-occupied. The vacancy rate is 7.0%.

On balance 38305 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 38305 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 38305 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 38305, the field stays empty rather than modeled, and fills in as new documents post.

38305's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 38305 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.