ZIP 38313 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38313 (Madison County, Tennessee) lands at 25/100 — low on DLRadar's distress scoring. Climate and flood risk are elevated too — climate & FEMA risk (74/100), flood (NFIP) exposure (61/100). What sets it apart are the readings on structural risk (56/100), construction/permit lag (48/100), institutional ownership (40/100). By contrast, mortgage stress (17/100) register low. Structural exposure scores 56 and live distress 5 on the 0–100 scale.

The market reads expansion — home values rose 5.5% year on year, and 25% higher over three years, at 57/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 90% of homes, renters 10%. Roughly 11.7% live below the poverty line. A median home runs $213,900 here, or 2.3 times local income. The vacancy rate is 9.5%. 3,611 residents call 38313 home, typically aged 46. DLRadar's demographic-stress index for the area reads 20/100. The ZIP holds roughly 1,418 housing units. Households earn a median $87,932 — above the roughly $78,000 national figure. About 22% have a four-year degree. Rent burden reaches 0% of tenant households.

On balance 38313 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 38313 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 38313 runs through one identical scoring model, so its 25/100 sits on the same scale as every other ZIP in Madison County, Tennessee and the nation. Sparse data for 38313 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 38313 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. The point of the 38313 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.