ZIP 38478 Foreclosure, Tax-Lien & Distress Report
Giles County, Tennessee · High Vacancy market
ZIP 38478's composite property-distress score is 25/100 - DLRadar classes that as low for Giles County, Tennessee. Environmental exposure also runs high (flood (NFIP) exposure (61/100)). The sharpest non-environmental signals are construction/permit lag (60/100), structural risk (55/100), institutional ownership (42/100). mortgage stress (19/100) stay muted. Structural risk reads 55/100 against active distress of 6/100.
Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 16% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.
18,756 residents call 38478 home, typically aged 42. The vacancy rate is 17.1% — elevated. The poverty rate is 17.2% — high, a tax-stress and distress correlate. Around 19% of adults hold a bachelor's degree or higher. The typical home is worth about $226,200 (3.3× income, relatively affordable). Around 26% of renters are cost-burdened. The ZIP holds roughly 8,783 housing units. The demographic-stress sub-score lands at 31/100. The tenure split is 67% owner-occupied to 33% rented. Median household income is $58,658, below the U.S. median near $78,000.
On the whole, 38478 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 38478 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38478 can be compared directly against any other ZIP in Giles County, Tennessee or nationwide. Where the public record is thin for 38478, the field stays empty rather than modeled, and fills in as new documents post.
38478's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 38478 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Distress signal breakdown — ZIP 38478
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
38478 at a glance
The live 38478 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Deterministic. Every signal traces to a public dataset · methodology