ZIP 38486 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38486 (Lawrence County, Tennessee) lands at 17/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (61/100). On the structural side it scores 37/100, with 3/100 of stress already active. The sharpest non-environmental signals are structural risk (37/100), construction/permit lag (31/100), institutional ownership (27/100). By contrast, institutional ownership (27/100) and mortgage stress (11/100) register low.

The market reads peak — home values rose 3.5% year on year (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $46,299, below the U.S. median near $78,000. The vacancy rate is 22.4% — elevated. Around 38% of renters are cost-burdened. The ZIP holds roughly 703 housing units. 9.5% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 30/100. Owners hold 71% of homes, renters 29%. Home values center near $165,600, an affordability ratio of 2.8× — accessible. Educational attainment sits at 9% bachelor's-or-above. About 1,273 people live here, median age 43.

Net-net, 38486 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.