ZIP 38461 Foreclosure, Tax-Lien & Distress Report

ZIP 38461's composite property-distress score is 19/100 - DLRadar classes that as low for Lewis County, Tennessee. Leading the profile are construction/permit lag (52/100), structural risk (42/100), institutional ownership (34/100). institutional ownership (34/100) and mortgage stress (15/100) stay muted. Structural risk reads 42/100 against active distress of 4/100.

The market reads peak — home values rose 2.2% year on year, and 64% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $418,300, an affordability ratio of 5.9×. At $58,564, median income runs below typical U.S. levels. 1,176 residents call 38461 home, typically aged 54. About 23% have a four-year degree. The tenure split is 92% owner-occupied to 8% rented. The vacancy rate is 10.6%. There are about 632 housing units across 38461. Roughly 10.5% live below the poverty line. The demographic-stress sub-score lands at 32/100. Around 13% of renters are cost-burdened.

Net-net, 38461 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 38461 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 38461 read uses the identical public-record model applied coast to coast, which means its 19/100 score means exactly what it means anywhere else, and 38461 stays directly comparable to neighboring ZIPs and the rest of Lewis County, Tennessee. The score is rebuilt from public data as it updates, so 38461 reflects the current record instead of a stale or modeled snapshot.

38461's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 38461 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.