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 public-record index. Environmental exposure also runs high (flood (NFIP) exposure (63/100)). Its heaviest discrete signals: institutional ownership (42/100), structural risk (40/100), construction/permit lag (36/100). On the quiet end sit construction/permit lag (36/100) and mortgage stress (18/100). On the structural side it scores 40/100, 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 to public records.
Big metro or rural, 38560 runs through one identical public-record 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
More distress data near 38560
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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 funding and closing, refreshed continuously nationwide.
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