ZIP 38468 Foreclosure, Tax-Lien & Distress Report
Lawrence County, Tennessee · Distress market
Lawrence County, Tennessee's ZIP 38468 registers 22/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are construction/permit lag (71/100), structural risk (47/100), institutional ownership (24/100). institutional ownership (24/100) and mortgage stress (12/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (66/100)). On the structural side it scores 47/100, with 4/100 of stress already active.
The market reads peak — home values rose 2.1% year on year, and 12% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
About 14% have a four-year degree. 5,442 residents call 38468 home, typically aged 38. There are about 2,350 housing units across 38468. On demographic stress specifically, 38468 scores 28/100. Households earn a median $59,899 — below the roughly $78,000 national figure. 80% of housing is owner-occupied. Roughly 8.9% live below the poverty line. Vacancy runs 11.1%. Around 25% of renters are cost-burdened. The typical home is worth about $207,200 (3.3× income, relatively affordable).
Net-net, 38468 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 38468 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 38468 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. Where the public record is thin for 38468, the field stays empty rather than modeled, and fills in as new documents post.
The 22/100 for 38468 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 38468 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.
Distress signal breakdown — ZIP 38468
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 38468 by the numbers
A live read on 38468: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Other Lawrence County ZIP codes
Explore related distress reports
Related ZIP, county and statewide reads linked to Lawrence County, Tennessee.
See every distressed parcel in 38468
The full 38468 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology