ZIP 38651 Foreclosure, Tax-Lien & Distress Report

In Desoto County, Mississippi, ZIP 38651 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: construction/permit lag (66/100), structural risk (59/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (7/100) register low. Structural exposure scores 59 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: 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 12% higher over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $96,667, above the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 24/100. Roughly 5.7% live below the poverty line, a low share typical of higher-equity areas. Owners hold 92% of homes, renters 8%. Rent burden reaches 33% of tenant households. The ZIP holds roughly 3,355 housing units. Population is roughly 8,491 with a median age of 38. A median home runs $328,000 here, or 3.0 times local income. About 26% have a four-year degree. Vacancy runs 3.9%.

Overall, 38651 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 38651 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 38651 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 38651 can be compared directly against any other ZIP in Desoto County, Mississippi or nationwide. Where the public record is thin for 38651, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 for 38651 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 38651 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.