ZIP 37186 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 37186 (Sumner County, Tennessee) returns a low composite of 28/100. Property-level stress concentrates in construction/permit lag (99/100), structural risk (64/100), institutional ownership (39/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (16/100). Structural risk reads 64/100 against active distress of 5/100. Climate and flood risk are elevated too — climate & FEMA risk (63/100).

The peak-phase market in 37186 posted values that rose 1.3% over the year, and 21% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 28% of renters are cost-burdened. 15.5% of residents fall below the poverty threshold. The ZIP holds roughly 4,394 housing units. The vacancy rate is 13.1% — elevated. At $57,133, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 32/100. Around 9% of adults hold a bachelor's degree or higher. 10,644 residents call 37186 home, typically aged 38. Home values center near $221,500, an affordability ratio of 3.4× — accessible. Owners hold 68% of homes, renters 32%.

Net-net, 37186 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 37186 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 37186 runs through one identical public-record model, so its 28/100 sits on the same scale as every other ZIP in Sumner County, Tennessee and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 37186 shows blanks, not estimates, wherever the record is sparse.

Each component behind 37186 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. Treat 37186 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.