ZIP 38560 Foreclosure, Tax-Lien & Distress Report
Smith County, Tennessee · High Vacancy market
ZIP code 38560 in Smith County, Tennessee carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic distress index. Environmental exposure also runs high (flood (NFIP) exposure (60/100)). Its heaviest discrete signals: institutional ownership (42/100), structural risk (39/100), construction/permit lag (33/100). On the quiet end sit construction/permit lag (33/100) and mortgage stress (18/100). On the structural side it scores 39/100, with 5/100 of stress already active.
The peak-phase market in 38560 posted values that rose 1.3% over the year, and 17% lower over three years, at 18/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 1,639 people live here, median age 33. Vacancy runs 26.2%, above the national norm and a classic distress-and-opportunity signal. Home values center near $241,300, an affordability ratio of 3.1× — accessible. The ZIP holds roughly 530 housing units. At $65,221, median income runs below typical U.S. levels. On demographic stress specifically, 38560 scores 36/100. The tenure split is 68% owner-occupied to 32% rented. 16.4% of residents fall below the poverty threshold. Rent burden reaches 44% of tenant households. Around 14% of adults hold a bachelor's degree or higher.
Net-net, 38560 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 38560 is not published yet -- the ZIP-level readings above remain fully sourced.
Big metro or rural, 38560 runs through one identical scoring model, so its 17/100 sits on the same scale as every other ZIP in Smith County, Tennessee and the nation. Nothing here is interpolated — where a source is thin for 38560, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 17/100 for 38560 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 38560 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 38560
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 38560 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent Smith County ZIP reports
Nearest ZIP codes to 38560
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 38560
More ZIP, county and state distress intelligence connected to Smith County, Tennessee.
Get the full acquisition report for 38560
Every distressed parcel in 38560 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
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