ZIP 37821 Foreclosure, Tax-Lien & Distress Report

ZIP code 37821 in Cocke County, Tennessee carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. The pressure is most legible in construction/permit lag (98/100), structural risk (76/100), institutional ownership (69/100). On the quiet end sit mortgage stress (25/100). On the structural side it scores 76/100, with 8/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (96/100), FEMA disaster exposure (89/100)).

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 26% higher over three years, at 19/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $45,350, median income runs below typical U.S. levels. The poverty rate is 24.5% — high, a tax-stress and distress correlate. The ZIP holds roughly 10,896 housing units. Educational attainment sits at 9% bachelor's-or-above. Rent burden reaches 38% of tenant households. The tenure split is 66% owner-occupied to 34% rented. The vacancy rate is 14.2% — elevated. On demographic stress specifically, 37821 scores 33/100. A median home runs $141,900 here, or 2.8 times local income. Population is roughly 22,113 with a median age of 44.

Net-net, 37821 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 37821 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 37821 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 37821 shows as blanks, never estimates, and the score updates on every fresh public filing.

37821's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 37821 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.