ZIP 38318 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 38318 in Carroll County, Tennessee comes in at 18, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (70/100)). The split runs 36/100 structural to 4/100 active on the ground. Its standout signals are structural risk (36/100), institutional ownership (33/100), mortgage stress (15/100). By contrast, institutional ownership (33/100) and mortgage stress (15/100) register low.

The peak-phase market in 38318 posted values that rose 2.8% over the year (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 27.3%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 531 with a median age of 44. The poverty rate is 17.9% — high, a tax-stress and distress correlate. Owners hold 83% of homes, renters 17%. Around 18% of renters are cost-burdened. Educational attainment sits at 21% bachelor's-or-above. Median household income is $89,712, above the U.S. median near $78,000. The demographic-stress sub-score lands at 23/100. The typical home is worth about $156,000 (1.4× income, relatively affordable). There are about 236 housing units across 38318.

Net-net, 38318 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 38318 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 38318 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 38318, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

38318'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. Practically, 38318 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.