ZIP 38365 Foreclosure, Tax-Lien & Distress Report
Hardin County, Tennessee · Distress market
ZIP code 38365 in Hardin County, Tennessee carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in structural risk (42/100), institutional ownership (40/100), construction/permit lag (6/100). construction/permit lag (6/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (65/100)). The latent-versus-live split is 42/100 structural and 0/100 already moving.
Prices here sit in a peak phase: values rose 2.8% over the trailing year, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
There are about 22 housing units across 38365.
Overall 38365 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 38365 at the moment; the composite and its components are still built from verifiable records.
Because one deterministic model scores every ZIP, 38365's 20/100 can be lined up against any neighbor in Hardin County, Tennessee or any ZIP coast to coast. Sparse data for 38365 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 38365 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. For a buyer, 38365 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.
What is driving ZIP 38365’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 38365 by the numbers
Current distress, phase, housing and lender-pressure figures for 38365, drawn from the same report attached to each property.
Other Hardin County ZIP codes
Nearest ZIP codes to 38365
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Tennessee distress
Keep going: ZIP, county and state distress coverage for Hardin County, Tennessee.
See every distressed parcel in 38365
Every distressed parcel in 38365 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology