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

Smith County, Tennessee is scored end-to-end by DLRadar for property distress, drawn only from deterministic public records. The county's ZIP scores run from 14 up to 30/100. County-level credit and bank headwind reads 21/100. There are 15 scored ZIPs in the county (mean composite 19/100).

Currently peak, Smith County saw prices rise 1.3% year over year, a 18/100-confidence read. On a market plateau, blanket buying underperforms so screen ZIP by ZIP.

Near the cycle top at +1.3% YoY (18/100 confidence), the wins are surgical — target the few ZIPs carrying distress. Lender stress at 21/100 (contained) favors tax delinquency, probate and liens.

The most-distressed ZIP codes in Smith County are 37090 (30/100), 37184 (29/100), 37087 (28/100), 37012 (19/100), 38548 (18/100), 37030 (17/100), each with its own full DLRadar report. Also scored across the county: 37145, 37151, 38547, 38552, 38560, 38563, 38567, 38569, 37057.

On the housing-and-income side, the Smith County ZIPs on file show typical home values near $283,093, 79% owner-occupancy, incomes around $77,749, a 11.8% poverty rate, residents with a median age around 42.3, vacancy near 18.2%. Taken together, they set up the kind of distress to expect and the buyer pool on exit.

Net of it all, 19/100 over 15 ZIPs means the opportunity hides below the average — work it parcel by parcel. Subscribers get each Smith County parcel's owner, address and APN, its own score, the lender behind it and an exit read.

Whether Smith County, Tennessee carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Smith County can be compared directly against any county in the country.

Smith County, Tennessee is best worked from the top of the score down; blanket outreach across Smith County dilutes effort that the ZIP-level numbers would have focused. Every figure traces to a public federal or county source — recorder and court records for foreclosure and liens, FHFA for the price cycle, FDIC for lender stress — and DLRadar leaves a signal blank rather than estimating where Smith County data is thin.

Drilling in, Smith County's highest-scoring ZIPs are 37090 (30/100), 37184 (29/100), 37087 (28/100), 37012 (19/100), 38548 (18/100), 37030 (17/100). DLRadar also scores 37145, 37151, 38547, 38552, 38560, 38563, 38567, 38569 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

DLRadar's composite for Smith County blends several independent signals — foreclosure and pre-foreclosure filings, mortgage stress, tax delinquency and liens, and the bank-stress headwind of the lenders operating locally — into one 0–100 score per ZIP, so a market can rank high on one axis and low on another.