ZIP 37128 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 37128 (Rutherford County, Tennessee) returns a low composite of 29/100. Property-level stress concentrates in structural risk (66/100), construction/permit lag (49/100), institutional ownership (41/100). On the quiet end sit mortgage stress (17/100). Structural exposure scores 66 and live distress 5 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (93/100), flood (NFIP) exposure (87/100).

The peak-phase market in 37128 posted values that rose 1.3% over the year, and 5% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 30/100. The poverty rate is 4.6% — low. The vacancy rate is 5.4%. About 38% have a four-year degree. At $89,069, median income runs above typical U.S. levels. There are about 30,651 housing units across 37128. Around 36% of renters are cost-burdened. About 77,016 people live here, median age 32. 65% of housing is owner-occupied. Home values center near $397,900, an affordability ratio of 4.1×.

On balance 37128 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.

Whether 37128 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 37128 can be compared directly against any other ZIP in Rutherford County, Tennessee or nationwide. 37128 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 37128 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. For a buyer, 37128 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.