ZIP 38632 Foreclosure, Tax-Lien & Distress Report
Desoto County, Mississippi · Distress market
ZIP code 38632 in Desoto County, Mississippi carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — climate & FEMA risk (89/100), flood (NFIP) exposure (80/100). Its standout signals are construction/permit lag (62/100), structural risk (58/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (7/100) register low. Structural exposure scores 58 and live distress 2 on the 0–100 scale.
The peak-phase market in 38632 posted values that rose 1.2% over the year, and 10% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
88% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 25/100. Population is roughly 30,824 with a median age of 39. Around 35% of renters are cost-burdened. The vacancy rate is 6.5%. The ZIP holds roughly 12,088 housing units. The typical home is worth about $322,000 (3.2× income, relatively affordable). Median household income is $90,277, above the U.S. median near $78,000. Around 36% of adults hold a bachelor's degree or higher. The poverty rate is 5.3% — low.
On balance 38632 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 38632 at the moment; the composite and its components are still built from verifiable records.
No ZIP is too small to score: 38632 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. 38632 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 25/100 for 38632 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 38632 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
ZIP 38632 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 38632 by the numbers
A live read on 38632: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Other Desoto County ZIP codes
Nearest ZIP codes to 38632
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Mississippi distress
More ZIP, county and state distress intelligence connected to Desoto County, Mississippi.
Unlock parcel-level detail for ZIP 38632
The full 38632 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Each signal above is traceable to an open dataset · methodology