ZIP 38544 Foreclosure, Tax-Lien & Distress Report
Putnam County, Tennessee · High Vacancy market
In Putnam County, Tennessee, ZIP 38544 scores 23 of 100 for composite distress, a low level on DLRadar's distress index. Structural exposure scores 51 and live distress 4 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (63/100), climate & FEMA risk (61/100)). The pressure is most legible in structural risk (51/100), construction/permit lag (47/100), institutional ownership (36/100). By contrast, institutional ownership (36/100) 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 23/100 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 record is thin for 38544, the field stays empty rather than modeled, and fills in as new documents post.
The 23/100 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.
Signal-by-signal read on 38544
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 38544 Stress Report snapshot
38544 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Nearby ZIPs in Putnam County
Nearest ZIP codes to 38544
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Further distress data across Putnam County, Tennessee at ZIP, county and state level.
Unlock the full ZIP 38544 acquisition report
The full 38544 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology