ZIP 38555 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38555 (Cumberland County, Tennessee) lands at 16/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (62/100). The most distinctive pressure shows up in structural risk (33/100), institutional ownership (23/100), construction/permit lag (21/100). By contrast, construction/permit lag (21/100) and mortgage stress (11/100) register low. On the structural side it scores 33/100, with 3/100 of stress already active.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 27% higher over three years (phase confidence 19/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 21,428 people live here, median age 42. Around 30% of renters are cost-burdened. 66% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 33/100. A median home runs $236,300 here, or 4.0 times local income. The vacancy rate is 8.7%. 17.9% of residents fall below the poverty threshold. There are about 9,995 housing units across 38555. Households earn a median $55,286 — below the roughly $78,000 national figure. Around 17% of adults hold a bachelor's degree or higher.

Overall, 38555 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 38555 runs hot or quiet, its 16/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38555 can be compared directly against any other ZIP in Cumberland County, Tennessee or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 38555 shows blanks, not estimates, wherever the record is sparse.

38555's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 38555 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.