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 (48/100), 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 48/100, 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 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 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
Nearest ZIP codes to 38468
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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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 to owner and lender records. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology