ZIP 38645 Foreclosure, Tax-Lien & Distress Report

ZIP code 38645 in Coahoma County, Mississippi carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 51/100 while live distress already moving reads 4/100. Environmental exposure also runs high (flood (NFIP) exposure (62/100)). The most distinctive pressure shows up in construction/permit lag (85/100), structural risk (51/100), institutional ownership (30/100). institutional ownership (30/100) and mortgage stress (14/100) stay muted.

Prices here sit in a peak phase: values rose 3.6% over the trailing year, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

66% of housing is owner-occupied. The demographic-stress sub-score lands at 23/100. The typical home is worth about $87,500 (1.4× income, relatively affordable). Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 831 with a median age of 48. Educational attainment sits at 27% bachelor's-or-above. There are about 421 housing units across 38645. 16.1% of residents fall below the poverty threshold. Rent burden reaches 23% of tenant households. Median household income is $61,458, below the U.S. median near $78,000.

On balance 38645 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 38645 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 38645 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Coahoma County, Mississippi and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 38645 shows blanks, not estimates, wherever the record is sparse.

38645's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 38645 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.