ZIP 38356 Foreclosure, Tax-Lien & Distress Report

Madison County, Tennessee's ZIP 38356 registers 26/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (76/100). On the structural side it scores 57/100, with 6/100 of stress already active. Leading the profile are structural risk (57/100), construction/permit lag (53/100), institutional ownership (44/100). By contrast, mortgage stress (19/100) register low.

The market reads expansion — home values rose 5.1% year on year, and 14% higher over three years (phase confidence 48/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 6% of renters are cost-burdened. 4.0% of residents fall below the poverty threshold. Vacancy runs 16.8%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 2,564 with a median age of 45. Households earn a median $71,250 — near the roughly $78,000 national figure. The ZIP holds roughly 1,241 housing units. Around 28% of adults hold a bachelor's degree or higher. Owners hold 72% of homes, renters 28%. On demographic stress specifically, 38356 scores 21/100. Home values center near $159,300, an affordability ratio of 2.2× — accessible.

On the whole, 38356 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 38356 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Madison County, Tennessee and the nation. 38356 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 38356 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. The point of the 38356 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.