ZIP 37361 Foreclosure, Tax-Lien & Distress Report

Polk County, Tennessee's ZIP 37361 registers 15/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are construction/permit lag (49/100), structural risk (32/100), institutional ownership (29/100). structural risk (32/100) and institutional ownership (29/100) stay muted. The latent-versus-live split is 32/100 structural and 0/100 already moving.

The expansion-phase market in 37361 posted values that rose 5.3% over the year, at 57/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 37361 scores 20/100. The tenure split is 87% owner-occupied to 13% rented. The vacancy rate is 18.4% — elevated. The ZIP holds roughly 1,072 housing units. About 2,205 people live here, median age 52. 10.3% of residents fall below the poverty threshold. Educational attainment sits at 15% bachelor's-or-above. Around 11% of renters are cost-burdened. Households earn a median $79,167 — near the roughly $78,000 national figure.

On the whole, 37361 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 37361 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 37361 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 37361, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

37361'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, 37361 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.