ZIP 38469 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38469 (Lawrence County, Tennessee) lands at 22/100 — low on DLRadar's public-record scoring. The split runs 47/100 structural to 3/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (67/100). What sets it apart are the readings on construction/permit lag (74/100), structural risk (47/100), institutional ownership (23/100). institutional ownership (23/100) and mortgage stress (11/100) stay muted.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 35% higher over three years (phase confidence 19/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 6.4%. Rent burden reaches 38% of tenant households. A median home runs $188,300 here, or 2.6 times local income. Owners hold 87% of homes, renters 13%. On demographic stress specifically, 38469 scores 27/100. At $62,903, median income runs below typical U.S. levels. 4,608 residents call 38469 home, typically aged 41. The ZIP holds roughly 1,714 housing units. 13.6% of residents fall below the poverty threshold. Around 19% of adults hold a bachelor's degree or higher.

Net-net, 38469 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 38469 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 38469's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 38469, the field stays empty rather than modeled, and fills in as new documents post.

Behind 38469's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 38469 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.