ZIP 38551 Foreclosure, Tax-Lien & Distress Report

ZIP 38551's composite property-distress score is 14/100 - DLRadar classes that as minimal for Clay County, Tennessee. Its heaviest discrete signals: construction/permit lag (38/100), institutional ownership (35/100), structural risk (33/100). By contrast, structural risk (33/100) and mortgage stress (16/100) register low. The split runs 33/100 structural to 5/100 active on the ground.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 2,220 housing units across 38551. DLRadar's demographic-stress index for the area reads 31/100. Vacancy runs 22.3%, above the national norm and a classic distress-and-opportunity signal. Median household income is $39,744, below the U.S. median near $78,000. The typical home is worth about $116,700 (3.1× income, relatively affordable). About 9% have a four-year degree. Population is roughly 4,318 with a median age of 44. Around 18% of renters are cost-burdened. The tenure split is 69% owner-occupied to 31% rented. Roughly 21.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 38551 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 38551 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 38551 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38551 can be compared directly against any other ZIP in Clay County, Tennessee or nationwide. Nothing here is interpolated — where a source is thin for 38551, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

38551's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 38551 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.