ZIP 37086 Foreclosure, Tax-Lien & Distress Report

ZIP 37086's composite property-distress score is 30/100 - DLRadar classes that as moderate for Rutherford County, Tennessee. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (88/100). Its standout signals are structural risk (66/100), construction/permit lag (51/100), institutional ownership (42/100). On the quiet end sit mortgage stress (18/100). Structural exposure scores 66 and live distress 5 on the 0–100 scale.

The peak-phase market in 37086 posted values that rose 1.3% over the year, and 7% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 5.5%. Median household income is $79,285, near the U.S. median near $78,000. There are about 13,561 housing units across 37086. Rent burden reaches 43% of tenant households. The typical home is worth about $303,200 (3.4× income, relatively affordable). DLRadar's demographic-stress index for the area reads 32/100. 37,786 residents call 37086 home, typically aged 32. Roughly 11.7% live below the poverty line. Owners hold 70% of homes, renters 30%. About 23% have a four-year degree.

On balance 37086 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 37086 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 37086 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. 37086 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

37086's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 37086 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.