ZIP 38654 Foreclosure, Tax-Lien & Distress Report

Desoto County, Mississippi's ZIP 38654 registers 26/100 composite distress, which DLRadar reads as low. The latent-versus-live split is 58/100 structural and 2/100 already moving. Environmental exposure also runs high (climate & FEMA risk (88/100), flood (NFIP) exposure (78/100)). The most distinctive pressure shows up in construction/permit lag (66/100), structural risk (58/100), 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 12% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

57,334 residents call 38654 home, typically aged 38. The ZIP holds roughly 21,652 housing units. Roughly 5.7% live below the poverty line, a low share typical of higher-equity areas. Around 34% of renters are cost-burdened. 85% of housing is owner-occupied. Around 32% of adults hold a bachelor's degree or higher. Home values center near $309,400, an affordability ratio of 2.9× — accessible. Households earn a median $99,481 — above the roughly $78,000 national figure. The vacancy rate is 3.2%. On demographic stress specifically, 38654 scores 24/100.

Net-net, 38654 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 38654 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 38654's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 38654 shows as blanks, never estimates, and the score updates on every fresh public filing.

38654's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 38654 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.