ZIP 37086 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 37086 (Rutherford County, Tennessee) lands at 31/100 — moderate on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (93/100), flood (NFIP) exposure (88/100)). The sharpest non-environmental signals are structural risk (69/100), construction/permit lag (57/100), institutional ownership (46/100). On the quiet end sit mortgage stress (18/100). Structural risk reads 69/100 against active distress of 5/100.

The peak-phase market in 37086 posted values that rose 2.3% over the year, and 7% higher over three years, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 5.5%. Households earn a median $79,285 — near the roughly $78,000 national figure. There are about 13,561 housing units across 37086. Rent burden reaches 43% of tenant households. A median home runs $303,200 here, or 3.4 times local income. On demographic stress specifically, 37086 scores 32/100. Population is roughly 37,786 with a median age of 32. Roughly 11.7% live below the poverty line. The tenure split is 70% owner-occupied to 30% rented. About 23% have a four-year degree.

On balance 37086 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.