ZIP 38457 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 38457 (Lawrence County, Tennessee) at a low 22/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (67/100)). The latent-versus-live split is 47/100 structural and 3/100 already moving. Its standout signals are construction/permit lag (74/100), structural risk (47/100), institutional ownership (23/100). institutional ownership (23/100) and mortgage stress (11/100) stay muted.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, at 19/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

On demographic stress specifically, 38457 scores 33/100. 491 residents call 38457 home, typically aged 38. Educational attainment sits at 4% bachelor's-or-above. Rent burden reaches 16% of tenant households. The ZIP holds roughly 292 housing units. A median home runs $179,200 here, or 3.2 times local income. Median household income is $54,459, below the U.S. median near $78,000. The vacancy rate is 32.3% — elevated. Roughly 18.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 70% owner-occupied to 30% rented.

Taken together, 38457 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 38457 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38457 can be compared directly against any other ZIP in Lawrence County, Tennessee or nationwide. The score is rebuilt from public data as it updates, so 38457 reflects the current record instead of a stale or modeled snapshot.

The 22/100 figure for 38457 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. The point of the 38457 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.