ZIP 38505 Foreclosure, Tax-Lien & Distress Report

ZIP code 38505 in Putnam County, Tennessee carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. What sets it apart are the readings on structural risk (54/100), construction/permit lag (47/100), institutional ownership (38/100). On the quiet end sit institutional ownership (38/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (72/100), climate & FEMA risk (66/100). Structural exposure scores 54 and live distress 0 on the 0–100 scale.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, at 19/100 phase confidence. Topping markets hide individual distress behind strong averages.

DLRadar's demographic-stress index for the area reads 85/100. 904 residents call 38505 home, typically aged 19.

On balance, 38505 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 38505 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 38505's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 38505 reflects the current record instead of a stale or modeled snapshot.

Behind 38505'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. Practically, 38505 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.