ZIP 37030 Foreclosure, Tax-Lien & Distress Report
Smith County, Tennessee · Distress market
DLRadar grades ZIP 37030 (Smith County, Tennessee) at a low 17/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (63/100). The latent-versus-live split is 40/100 structural and 5/100 already moving. The sharpest non-environmental signals are institutional ownership (42/100), structural risk (40/100), construction/permit lag (36/100). On the quiet end sit construction/permit lag (36/100) and mortgage stress (18/100).
The market reads peak — home values rose 1.3% year on year, and 17% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
About 20% have a four-year degree. About 7,889 people live here, median age 44. Owners hold 71% of homes, renters 29%. Around 36% of renters are cost-burdened. 14.8% of residents fall below the poverty threshold. There are about 3,386 housing units across 37030. Households earn a median $57,510 — below the roughly $78,000 national figure. Vacancy runs 5.9%. The demographic-stress sub-score lands at 32/100. Home values center near $252,600, an affordability ratio of 3.9× — accessible.
On balance 37030 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 37030 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. 37030 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
37030'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, 37030 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 37030
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 37030 by the numbers
A live read on 37030: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Nearby ZIPs in Smith County
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Deterministic. Every signal traces to a public dataset · methodology