ZIP 38544 Foreclosure, Tax-Lien & Distress Report

In Putnam County, Tennessee, ZIP 38544 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 38 and live distress 4 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (61/100)). The pressure is most legible in structural risk (38/100), construction/permit lag (34/100), institutional ownership (26/100). By contrast, institutional ownership (26/100) and mortgage stress (12/100) register low.

The peak-phase market in 38544 posted values that rose 2.1% over the year, and 20% higher over three years, at 20/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 7,413 with a median age of 41. Around 41% of renters are cost-burdened. A median home runs $245,100 here, or 3.3 times local income. The vacancy rate is 14.9% — elevated. There are about 3,558 housing units across 38544. The poverty rate is 17.2% — high, a tax-stress and distress correlate. About 16% have a four-year degree. Median household income is $66,801, below the U.S. median near $78,000. 79% of housing is owner-occupied. On demographic stress specifically, 38544 scores 32/100.

On the whole, 38544 leans distressed, with opportunity clustered in specific stressed parcels. While 38544 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 38544 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38544 can be compared directly against any other ZIP in Putnam County, Tennessee or nationwide. Where the public record is thin for 38544, the field stays empty rather than modeled, and fills in as new documents post.

The 18/100 for 38544 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 38544 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.