ZIP 37640 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 37640 (Johnson County, Tennessee) returns a low composite of 27/100. Structural exposure scores 60 and live distress 8 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (93/100), FEMA disaster exposure (89/100)). The pressure is most legible in institutional ownership (68/100), structural risk (60/100), construction/permit lag (53/100). On the quiet end sit mortgage stress (25/100).

The peak-phase market in 37640 posted values that rose 3.3% over the year, and 61% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 3,343 with a median age of 54. Median household income is $47,404, below the U.S. median near $78,000. The typical home is worth about $174,000 (3.3× income, relatively affordable). On demographic stress specifically, 37640 scores 31/100. Vacancy runs 30.1%, above the national norm and a classic distress-and-opportunity signal. There are about 2,503 housing units across 37640. The tenure split is 84% owner-occupied to 16% rented. Educational attainment sits at 16% bachelor's-or-above. Rent burden reaches 33% of tenant households. 16.5% of residents fall below the poverty threshold.

On the whole, 37640 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 37640 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 37640 runs through one identical public-record model, so its 27/100 sits on the same scale as every other ZIP in Johnson County, Tennessee and the nation. Nothing here is interpolated — where a source is thin for 37640, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

37640's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 37640 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.