ZIP 38578 Foreclosure, Tax-Lien & Distress Report
Cumberland County, Tennessee · High Vacancy market
Composite property distress in 38578 (Cumberland County, Tennessee) lands at 16/100 — low on DLRadar's public-record scoring. Its heaviest discrete signals: structural risk (33/100), institutional ownership (23/100), construction/permit lag (21/100). On the quiet end sit construction/permit lag (21/100) and mortgage stress (11/100). Structurally it carries 33/100, against 3/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (62/100).
The market reads peak — home values rose 2.0% year on year, at 19/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Roughly 5.5% live below the poverty line, a low share typical of higher-equity areas. About 146 people live here, median age 73. On demographic stress specifically, 38578 scores 33/100. Rent burden reaches 33% of tenant households. Households earn a median $38,214 — below the roughly $78,000 national figure. The typical home is worth about $178,100 (4.3× income). Owners hold 63% of homes, renters 38%. The vacancy rate is 41.5% — elevated. Educational attainment sits at 43% bachelor's-or-above. The ZIP holds roughly 103 housing units.
Taken together, 38578 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 38578's 16/100 can be lined up against any neighbor in Cumberland County, Tennessee or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 38578, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 16/100 figure for 38578 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. For an operator, 38578 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 38578
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
38578 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 38578, the same set carried on every parcel.
Adjacent Cumberland County ZIP reports
Keep exploring Tennessee distress
Keep going: ZIP, county and state distress coverage for Cumberland County, Tennessee.
Open the complete 38578 acquisition file
See who owns each distressed property in 38578, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology