ZIP 38449 Foreclosure, Tax-Lien & Distress Report

ZIP code 38449 in Lincoln County, Tennessee carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — flood (NFIP) exposure (66/100). Its standout signals are structural risk (51/100), construction/permit lag (45/100), institutional ownership (39/100). By contrast, institutional ownership (39/100) and mortgage stress (18/100) register low. The split runs 51/100 structural to 5/100 active on the ground.

The market reads peak — home values rose 2.4% year on year, and 11% higher over three years, at 23/100 phase confidence. Topping markets hide individual distress behind strong averages.

3,255 residents call 38449 home, typically aged 47. Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 80% owner-occupied to 20% rented. Households earn a median $65,671 — below the roughly $78,000 national figure. The typical home is worth about $263,500 (3.3× income, relatively affordable). Roughly 8.8% live below the poverty line. Educational attainment sits at 23% bachelor's-or-above. There are about 1,384 housing units across 38449. DLRadar's demographic-stress index for the area reads 28/100. Rent burden reaches 28% of tenant households.

Net-net, 38449 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 38449 at the moment; the composite and its components are still built from verifiable records.

Whether 38449 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38449 can be compared directly against any other ZIP in Lincoln County, Tennessee or nationwide. Nothing here is interpolated — where a source is thin for 38449, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 23/100 figure for 38449 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 38449 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.