ZIP 38351 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 38351 (Henderson County, Tennessee) at a low 23/100 for overall property distress. Environmental exposure also runs high (flood (NFIP) exposure (73/100), climate & FEMA risk (61/100)). The sharpest non-environmental signals are structural risk (50/100), institutional ownership (44/100), construction/permit lag (29/100). On the quiet end sit construction/permit lag (29/100) and mortgage stress (20/100). Structural exposure scores 50 and live distress 6 on the 0–100 scale.

The peak-phase market in 38351 posted values that rose 2.9% over the year, and 31% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 17,958 with a median age of 39. The typical home is worth about $167,300 (3.0× income, relatively affordable). Around 28% of renters are cost-burdened. About 14% have a four-year degree. The vacancy rate is 12.6% — elevated. Median household income is $53,573, below the U.S. median near $78,000. The tenure split is 67% owner-occupied to 33% rented. The ZIP holds roughly 8,159 housing units. The poverty rate is 18.7% — high, a tax-stress and distress correlate. On demographic stress specifically, 38351 scores 31/100.

Net-net, 38351 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 38351 runs through one identical scoring model, so its 23/100 sits on the same scale as every other ZIP in Henderson County, Tennessee and the nation. Nothing here is interpolated — where a source is thin for 38351, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

38351's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 38351 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.