ZIP 38575 Foreclosure, Tax-Lien & Distress Report
Clay County, Tennessee · Affordable market
ZIP 38575's composite property-distress score is 14/100 - DLRadar classes that as minimal for Clay County, Tennessee. What sets it apart are the readings on construction/permit lag (38/100), institutional ownership (35/100), structural risk (33/100). By contrast, structural risk (33/100) and mortgage stress (16/100) register low. The latent-versus-live split is 33/100 structural and 5/100 already moving.
The peak-phase market in 38575 posted values that rose 2.8% over the year (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
987 residents call 38575 home, typically aged 48. Around 18% of renters are cost-burdened. Vacancy runs 8.8%. The poverty rate is 19.0% — high, a tax-stress and distress correlate. Owners hold 85% of homes, renters 15%. Median household income is $58,125, below the U.S. median near $78,000. A median home runs $115,500 here, or 2.6 times local income. Educational attainment sits at 16% bachelor's-or-above. There are about 444 housing units across 38575. DLRadar's demographic-stress index for the area reads 26/100.
On balance 38575 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 38575 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 14/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 38575, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 14/100 for 38575 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 38575 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 38575
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 38575 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 38575, the same set carried on every parcel.
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The complete 38575 distress and acquisition report
Get every distressed property in 38575 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click funding + closing path. Nationwide, refreshed continuously.
Each signal above is traceable to an open dataset · methodology