Polk County, TN: Foreclosures, Tax Liens & Distressed Properties

DLRadar tracks property distress across Polk County, Tennessee using verifiable public-record signals alone. On bank and credit headwind, Polk County scores 17/100. ZIP-level distress ranges from 27/100 at the top down to 13/100. Coverage runs to 13 ZIPs across Polk County, a low 16/100 average.

The expansion-phase county posted home values that rose 5.3% over twelve months, at 57/100 phase confidence. Through the growth, some owners fall behind anyway which the scoring still flags.

With growth of +5.3% YoY (57/100 confidence), well-bought parcels resell faster so buy those and momentum helps on exit. Lender stress at 17/100 (contained) favors owner-driven distress more than bank stock.

Distress concentrates in ZIP 37323 (27/100), ZIP 37310 (26/100), ZIP 37362 (18/100), ZIP 37307 (15/100), ZIP 37325 (15/100), ZIP 37369 (15/100) — drill into any for the parcel-level read. Also scored across the county: 37316, 37317, 37326, 37333, 37361, 37391, 37309.

By the numbers, the Polk County ZIPs on file report household income averaging about $66,839, below the national median, a 18.2% vacancy rate, home values averaging roughly $178,709, below the US, an owner-occupied share of 80%, 17% of households below the poverty line, residents with a median age around 48. Read together, they signal how much distress reaches the market and how fast it moves.

At 16/100 composite over 13 ZIPs, the opportunity hides below the average rather than a blanket buy. Subscribers get each Polk County parcel's owner, address and APN, a distress reading, the lender on title and exit timing.

No county is too small to score: Polk County, Tennessee runs through the same foreclosure, tax, lien and bank-stress model as every major metro, so Polk County's numbers mean exactly what they mean anywhere else in Tennessee.

The point of scoring Polk County, Tennessee is to narrow it — the high-composite ZIPs carry the distress, and everything below them rarely repays the outreach cost. Nothing in the Polk County read is modelled: recorder and court filings drive foreclosure and lien signals, FHFA sets the price cycle, FDIC the lender stress, and a thin source stays blank.

At the ZIP level, the sharpest readings in Polk County are 37323 (27/100), 37310 (26/100), 37362 (18/100), 37307 (15/100), 37325 (15/100), 37369 (15/100). DLRadar also scores 37316, 37317, 37326, 37333, 37361, 37391, 37309 across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

The Polk County score is not a single measure but a composite: foreclosure activity, mortgage and tax-lien stress, and local lender headwind each feed it, which is why understanding the components matters as much as the headline number.