ZIP 38326 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38326 (Hardin County, Tennessee) lands at 21/100 — low on DLRadar's public-record scoring. Structural exposure scores 45 and live distress 6 on the 0–100 scale. The pressure is most legible in structural risk (45/100), institutional ownership (40/100), mortgage stress (21/100). On the quiet end sit mortgage stress (21/100) and construction/permit lag (14/100). Climate and flood risk are elevated too — climate & FEMA risk (65/100).

The market reads peak — home values rose 2.9% year on year, and 12% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

2,566 residents call 38326 home, typically aged 58. Home values center near $191,900, an affordability ratio of 3.9× — accessible. The ZIP holds roughly 2,759 housing units. The tenure split is 90% owner-occupied to 10% rented. DLRadar's demographic-stress index for the area reads 37/100. The vacancy rate is 51.9% — elevated. Households earn a median $49,145 — below the roughly $78,000 national figure. The poverty rate is 8.2%. Rent burden reaches 61% of tenant households. Educational attainment sits at 20% bachelor's-or-above.

Net-net, 38326 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 38326 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 38326 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 38326 stays directly comparable to neighboring ZIPs and the rest of Hardin County, Tennessee. Nothing here is interpolated — where a source is thin for 38326, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

38326'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. For a buyer, 38326 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.