ZIP 37031 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 37031 (Sumner County, Tennessee) returns a moderate composite of 31/100. Climate and flood risk are elevated too — climate & FEMA risk (71/100), flood (NFIP) exposure (70/100). Its heaviest discrete signals: construction/permit lag (100/100), structural risk (70/100), institutional ownership (42/100). By contrast, mortgage stress (17/100) register low. The latent-versus-live split is 70/100 structural and 5/100 already moving.

Prices here sit in a peak phase: values rose 1.3% over the trailing year, and 9% higher over three years, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $352,600 (3.5× income, relatively affordable). Vacancy runs 6.2%. The tenure split is 93% owner-occupied to 7% rented. About 21% have a four-year degree. The ZIP holds roughly 1,804 housing units. The demographic-stress sub-score lands at 34/100. Around 81% of renters are cost-burdened. The poverty rate is 6.3% — low. About 3,984 people live here, median age 50. Households earn a median $86,380 — near the roughly $78,000 national figure.

Overall, 37031 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 37031 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 37031's 31/100 can be lined up against any neighbor in Sumner County, Tennessee or any ZIP coast to coast. Sparse data for 37031 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 31/100 figure for 37031 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. The point of the 37031 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.