ZIP 38637 Foreclosure, Tax-Lien & Distress Report

ZIP 38637's composite property-distress score is 26/100 - DLRadar classes that as low for Desoto County, Mississippi. Environmental exposure also runs high (climate & FEMA risk (89/100), flood (NFIP) exposure (81/100)). Structural exposure scores 59 and live distress 2 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (66/100), structural risk (59/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (7/100).

The market reads peak — home values rose 1.2% year on year, and 17% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $56,847, below the U.S. median near $78,000. 18.7% of residents fall below the poverty threshold. 26,622 residents call 38637 home, typically aged 35. Around 38% of renters are cost-burdened. The tenure split is 59% owner-occupied to 41% rented. The demographic-stress sub-score lands at 32/100. Around 17% of adults hold a bachelor's degree or higher. The ZIP holds roughly 10,987 housing units. The typical home is worth about $171,400 (2.8× income, relatively affordable). Vacancy runs 8.5%.

On balance 38637 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 38637 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 38637 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 38637 can be compared directly against any other ZIP in Desoto County, Mississippi or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 38637 shows blanks, not estimates, wherever the record is sparse.

The 26/100 figure for 38637 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. Treat 38637 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.