ZIP 37312 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 37312 (Bradley County, Tennessee) lands at 27/100 — low on DLRadar's distress scoring. Environmental exposure also runs high (climate & FEMA risk (75/100)). Its standout signals are construction/permit lag (74/100), structural risk (59/100), institutional ownership (33/100). On the quiet end sit institutional ownership (33/100) and mortgage stress (12/100). The latent-versus-live split is 59/100 structural and 4/100 already moving.

The expansion-phase market in 37312 posted values that rose 5.3% over the year, and 17% higher over three years (phase confidence 57/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 36,894 people live here, median age 41. Vacancy runs 5.4%. The typical home is worth about $301,000 (3.6× income, relatively affordable). On demographic stress specifically, 37312 scores 29/100. The ZIP holds roughly 14,834 housing units. About 36% have a four-year degree. The poverty rate is 10.3%. At $75,369, median income runs near typical U.S. levels. The tenure split is 71% owner-occupied to 29% rented. Around 37% of renters are cost-burdened.

Net-net, 37312 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 37312 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 37312 runs through one identical scoring model, so its 27/100 sits on the same scale as every other ZIP in Bradley County, Tennessee and the nation. Nothing here is interpolated — where a source is thin for 37312, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

37312'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. Practically, 37312 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.