ZIP 38641 Foreclosure, Tax-Lien & Distress Report

Desoto County, Mississippi's ZIP 38641 registers 26/100 composite distress, which DLRadar reads as low. The latent-versus-live split is 59/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (66/100), structural risk (59/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (7/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (89/100), flood (NFIP) exposure (81/100)).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 30% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 2,102 people live here, median age 42. Owners hold 93% of homes, renters 7%. The typical home is worth about $237,400 (2.5× income, relatively affordable). Roughly 18.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. At $85,882, median income runs near typical U.S. levels. Around 35% of renters are cost-burdened. Vacancy runs 8.5%. DLRadar's demographic-stress index for the area reads 26/100. There are about 1,049 housing units across 38641. About 23% have a four-year degree.

Net-net, 38641 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 38641 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 38641 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 38641 can be compared directly against any other ZIP in Desoto County, Mississippi or nationwide. Where the public record is thin for 38641, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 for 38641 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, 38641 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.