ZIP 37820 Foreclosure, Tax-Lien & Distress Report

ZIP 37820's composite property-distress score is 20/100 - DLRadar classes that as low for Jefferson County, Tennessee. On the structural side it scores 42/100, with 5/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (71/100). Property-level stress concentrates in construction/permit lag (56/100), structural risk (42/100), institutional ownership (39/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (16/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, 1.1% off the recent peak, and 43% higher over three years, at 29/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

7,743 residents call 37820 home, typically aged 46. The tenure split is 82% owner-occupied to 18% rented. The typical home is worth about $204,600 (3.1× income, relatively affordable). Educational attainment sits at 16% bachelor's-or-above. At $62,901, median income runs below typical U.S. levels. Vacancy runs 13.2%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 37820 scores 26/100. Roughly 9.0% live below the poverty line. The ZIP holds roughly 3,564 housing units. Around 17% of renters are cost-burdened.

Net-net, 37820 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 37820 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 37820 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 37820 can be compared directly against any other ZIP in Jefferson County, Tennessee or nationwide. The score is rebuilt from public data as it updates, so 37820 reflects the current record instead of a stale or modeled snapshot.

Behind 37820's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 37820 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.