ZIP 38563 Foreclosure, Tax-Lien & Distress Report
Smith County, Tennessee · Distress market
In Smith County, Tennessee, ZIP 38563 scores 17 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (flood (NFIP) exposure (60/100)). The latent-versus-live split is 39/100 structural and 5/100 already moving. What sets it apart are the readings on institutional ownership (42/100), structural risk (39/100), construction/permit lag (33/100). By contrast, construction/permit lag (33/100) and mortgage stress (18/100) register low.
The peak-phase market in 38563 posted values that rose 1.3% over the year, and 33% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Rent burden reaches 28% of tenant households. About 2,271 people live here, median age 34. At $71,094, median income runs near typical U.S. levels. About 19% have a four-year degree. DLRadar's demographic-stress index for the area reads 27/100. There are about 919 housing units across 38563. Roughly 4.0% live below the poverty line, a low share typical of higher-equity areas. A median home runs $241,300 here, or 3.3 times local income. 73% of housing is owner-occupied. Vacancy runs 8.3%.
Net-net, 38563 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 38563 is not published yet -- the ZIP-level readings above remain fully sourced.
Whether 38563 runs hot or quiet, its 17/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38563 can be compared directly against any other ZIP in Smith County, Tennessee or nationwide. Sparse data for 38563 shows as blanks, never estimates, and the score updates on every fresh public filing.
38563's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 38563 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 38563 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 38563 Stress Report snapshot
The live 38563 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Smith County ZIPs near 38563
Nearest ZIP codes to 38563
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Smith County, Tennessee
Keep going: ZIP, county and state distress coverage for Smith County, Tennessee.
The complete 38563 distress and acquisition report
See who owns each distressed property in 38563, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology