ZIP 38464 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 38464 (Lawrence County, Tennessee) at a low 21/100 for overall property distress. Property-level stress concentrates in construction/permit lag (71/100), structural risk (46/100), institutional ownership (24/100). On the quiet end sit institutional ownership (24/100) and mortgage stress (12/100). Climate and flood risk are elevated too — climate & FEMA risk (63/100). Structurally it carries 46/100, against 4/100 of stress already in motion.

Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 17% higher over three years (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 33/100. Around 44% of renters are cost-burdened. The poverty rate is 17.5% — high, a tax-stress and distress correlate. Educational attainment sits at 15% bachelor's-or-above. At $48,239, median income runs below typical U.S. levels. The vacancy rate is 10.0%. Population is roughly 23,727 with a median age of 40. A median home runs $183,500 here, or 3.4 times local income. There are about 10,317 housing units across 38464. Owners hold 71% of homes, renters 29%.

Overall, 38464 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 38464 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 38464 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38464 can be compared directly against any other ZIP in Lawrence County, Tennessee or nationwide. Nothing here is interpolated — where a source is thin for 38464, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 38464 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. For an operator, 38464 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.