ZIP 38456 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38456 (Lawrence County, Tennessee) lands at 22/100 — low on DLRadar's public-record scoring. On the structural side it scores 48/100, with 4/100 of stress already active. The pressure is most legible in construction/permit lag (66/100), structural risk (48/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (13/100). It additionally carries heavy environmental risk: climate & FEMA risk (64/100).

Prices here sit in a peak phase: values rose 2.3% over the trailing year, and 3% higher over three years (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $208,600 (3.4× income, relatively affordable). Roughly 19.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 11.8% — elevated. About 23% have a four-year degree. Population is roughly 4,600 with a median age of 32. The ZIP holds roughly 1,602 housing units. 87% of housing is owner-occupied. At $58,913, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 33/100. Around 48% of renters are cost-burdened.

Net-net, 38456 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 38456 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. 38456 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 38456's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 38456 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.