ZIP 38464 Foreclosure, Tax-Lien & Distress Report

Lawrence County, Tennessee's ZIP 38464 registers 19/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (41/100), structural risk (40/100), institutional ownership (28/100). institutional ownership (28/100) and mortgage stress (12/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (63/100). On the structural side it scores 40/100, with 4/100 of stress already active.

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 17% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 33/100. Around 44% of renters are cost-burdened. The poverty rate is 17.5% — high, a tax-stress and distress correlate. Around 15% of adults hold a bachelor's degree or higher. At $48,239, median income runs below typical U.S. levels. The vacancy rate is 10.0%. 23,727 residents call 38464 home, typically aged 40. The typical home is worth about $183,500 (3.4× income, relatively affordable). The ZIP holds roughly 10,317 housing units. 71% of housing is owner-occupied.

Overall, 38464 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.