ZIP 38685 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 38685 (Marshall County, Mississippi) returns a low composite of 15/100. Latent structural risk is 33/100 while live distress already moving reads 1/100. Environmental exposure also runs high (climate & FEMA risk (65/100)). Its heaviest discrete signals: construction/permit lag (53/100), structural risk (33/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

Prices here sit in a peak phase: values rose 1.3% over the trailing year, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $124,100 here. The poverty rate is 16.2%. At $45,972, median income runs below typical U.S. levels. Around 5% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. There are about 677 housing units across 38685. Vacancy runs 17.1%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 983 with a median age of 64. Owners hold 93% of homes, renters 7%.

On the whole, 38685 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 38685 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 38685 read uses the identical public-record model applied coast to coast, which means its 15/100 score means exactly what it means anywhere else, and 38685 stays directly comparable to neighboring ZIPs and the rest of Marshall County, Mississippi. Every figure is auditable to a public dataset and refreshed on ingest; 38685 shows blanks, not estimates, wherever the record is sparse.

The 15/100 figure for 38685 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 38685 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.