ZIP 38558 Property Distress & Foreclosure Data

Composite property distress in 38558 (Cumberland County, Tennessee) lands at 18/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (62/100). The latent-versus-live split is 38/100 structural and 3/100 already moving. The sharpest non-environmental signals are construction/permit lag (38/100), structural risk (38/100), institutional ownership (26/100). By contrast, institutional ownership (26/100) and mortgage stress (11/100) register low.

The market reads peak — home values rose 3.1% year on year, and 50% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Home values center near $357,700, an affordability ratio of 4.3×. 7.8% of residents fall below the poverty threshold. Median household income is $75,000, near the U.S. median near $78,000. Educational attainment sits at 33% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 27/100. The ZIP holds roughly 5,733 housing units. Around 26% of renters are cost-burdened. About 9,270 people live here, median age 70. Owners hold 90% of homes, renters 10%. The vacancy rate is 13.9% — elevated.

Net-net, 38558 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.