ZIP 37118 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 37118 (Rutherford County, Tennessee) at a low 29/100 for overall property distress. On the structural side it scores 64/100, with 5/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (85/100), flood (NFIP) exposure (84/100). The most distinctive pressure shows up in structural risk (64/100), construction/permit lag (52/100), institutional ownership (42/100). By contrast, mortgage stress (17/100) register low.

The peak-phase market in 37118 posted values that rose 1.3% over the year, and 7% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 9.1%. The typical home is worth about $478,300 (5.3× income). Roughly 12.4% live below the poverty line. Around 25% of adults hold a bachelor's degree or higher. Population is roughly 1,087 with a median age of 50. At $86,447, median income runs near typical U.S. levels. Owners hold 87% of homes, renters 13%. The ZIP holds roughly 480 housing units. Around 0% of renters are cost-burdened. On demographic stress specifically, 37118 scores 29/100.

Overall, 37118 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 37118 read uses the identical public-record model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 37118 stays directly comparable to neighboring ZIPs and the rest of Rutherford County, Tennessee. Where the public record is thin for 37118, the field stays empty rather than modeled, and fills in as new documents post.

The 29/100 for 37118 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 37118 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.