ZIP 38321 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 38321 in Carroll County, Tennessee comes in at 19, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (66/100)). The latent-versus-live split is 41/100 structural and 5/100 already moving. The most distinctive pressure shows up in structural risk (41/100), institutional ownership (37/100), mortgage stress (17/100). mortgage stress (17/100) and construction/permit lag (9/100) stay muted.

Prices here sit in a peak phase: values rose 2.8% over the trailing year (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 19.2% — high, a tax-stress and distress correlate. Rent burden reaches 10% of tenant households. Vacancy runs 11.7%, above the national norm and a classic distress-and-opportunity signal. About 10% have a four-year degree. There are about 1,213 housing units across 38321. About 2,629 people live here, median age 42. DLRadar's demographic-stress index for the area reads 24/100. The typical home is worth about $157,900 (2.0× income, relatively affordable). At $62,269, median income runs below typical U.S. levels. The tenure split is 84% owner-occupied to 16% rented.

Net-net, 38321 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 38321 at the moment; the composite and its components are still built from verifiable public records.

The 38321 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 38321 stays directly comparable to neighboring ZIPs and the rest of Carroll County, Tennessee. Where the public record is thin for 38321, the field stays empty rather than modeled, and fills in as new documents post.

The 19/100 for 38321 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 38321 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.