ZIP 38551 Property Distress & Foreclosure Data

In Clay County, Tennessee, ZIP 38551 scores 16 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 37 and live distress 5 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (60/100). Its standout signals are construction/permit lag (46/100), institutional ownership (39/100), structural risk (37/100). structural risk (37/100) and mortgage stress (16/100) stay muted.

Prices here sit in a expansion phase: values rose 5.1% over the trailing year, at 28/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 2,220 housing units across 38551. The demographic-stress sub-score lands at 31/100. Vacancy runs 22.3%, above the national norm and a classic distress-and-opportunity signal. At $39,744, median income runs below typical U.S. levels. The typical home is worth about $116,700 (3.1× income, relatively affordable). Around 9% of adults hold a bachelor's degree or higher. 4,318 residents call 38551 home, typically aged 44. Rent burden reaches 18% of tenant households. 69% of housing is owner-occupied. The poverty rate is 21.8% — high, a tax-stress and distress correlate.

Taken together, 38551 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.