ZIP 38574 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 38574 (Putnam County, Tennessee) at a low 16/100 for overall property distress. Structural exposure scores 33 and live distress 4 on the 0–100 scale. Leading the profile are construction/permit lag (33/100), structural risk (33/100), institutional ownership (25/100). On the quiet end sit institutional ownership (25/100) and mortgage stress (12/100).

Prices here sit in a peak phase: values rose 2.1% over the trailing year, and 68% higher over three years (phase confidence 19/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 16.8% — high, a tax-stress and distress correlate. 8,812 residents call 38574 home, typically aged 42. Rent burden reaches 47% of tenant households. Educational attainment sits at 12% bachelor's-or-above. Vacancy runs 13.1%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 38574 scores 33/100. The ZIP holds roughly 3,989 housing units. A median home runs $196,800 here, or 3.4 times local income. Households earn a median $52,043 — below the roughly $78,000 national figure. Owners hold 82% of homes, renters 18%.

Net-net, 38574 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 38574 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 38574 runs through one identical public-record model, so its 16/100 sits on the same scale as every other ZIP in Putnam County, Tennessee and the nation. Nothing here is interpolated — where a source is thin for 38574, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 16/100 figure for 38574 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 38574 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.