ZIP 38481 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 38481 (Lawrence County, Tennessee) returns a low composite of 22/100. It additionally carries heavy environmental risk: climate & FEMA risk (67/100). Property-level stress concentrates in construction/permit lag (74/100), structural risk (47/100), institutional ownership (23/100). On the quiet end sit institutional ownership (23/100) and mortgage stress (11/100). On the structural side it scores 47/100, with 3/100 of stress already active.

The market reads peak — home values rose 2.0% year on year, at 19/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $192,700 (2.7× income, relatively affordable). The ZIP holds roughly 431 housing units. Population is roughly 876 with a median age of 41. The vacancy rate is 9.5%. On demographic stress specifically, 38481 scores 28/100. Rent burden reaches 33% of tenant households. The tenure split is 83% owner-occupied to 17% rented. Median household income is $45,909, below the U.S. median near $78,000. The poverty rate is 15.8%. About 12% have a four-year degree.

Overall, 38481 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 38481 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: 38481's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 38481, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

38481'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, 38481 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.