ZIP 38361 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38361 (Hardin County, Tennessee) lands at 21/100 — low on DLRadar's distress scoring. The most distinctive pressure shows up in structural risk (45/100), institutional ownership (39/100), mortgage stress (21/100). On the quiet end sit mortgage stress (21/100) and construction/permit lag (20/100). It additionally carries heavy environmental risk: climate & FEMA risk (64/100). The split runs 45/100 structural to 6/100 active on the ground.

The peak-phase market in 38361 posted values that rose 2.8% over the year, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

28.8% of residents fall below the poverty threshold. Around 22% of adults hold a bachelor's degree or higher. At $49,348, median income runs below typical U.S. levels. On demographic stress specifically, 38361 scores 26/100. 1,158 residents call 38361 home, typically aged 55. The tenure split is 87% owner-occupied to 13% rented. Around 0% of renters are cost-burdened. The vacancy rate is 20.8% — elevated. A median home runs $162,800 here, or 2.9 times local income. There are about 554 housing units across 38361.

Net-net, 38361 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 38361 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 38361 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 38361 stays directly comparable to neighboring ZIPs and the rest of Hardin County, Tennessee. Where the record is thin for 38361, the field stays empty rather than modeled, and fills in as new documents post.

38361'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 an operator, 38361 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.