ZIP 37854 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 37854 (Roane County, Tennessee) lands at 19/100 — low on DLRadar's distress scoring. Structurally it carries 42/100, against 4/100 of stress already in motion. What sets it apart are the readings on construction/permit lag (42/100), structural risk (42/100), institutional ownership (29/100). By contrast, institutional ownership (29/100) and mortgage stress (12/100) register low.

The market reads peak — home values rose 3.1% year on year, and 41% higher over three years (phase confidence 17/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 6,043 housing units across 37854. Roughly 19.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 16.5%, above the national norm and a classic distress-and-opportunity signal. About 14% have a four-year degree. Rent burden reaches 28% of tenant households. The demographic-stress sub-score lands at 32/100. Households earn a median $49,098 — below the roughly $78,000 national figure. Population is roughly 12,403 with a median age of 47. A median home runs $177,500 here, or 3.1 times local income. Owners hold 69% of homes, renters 31%.

Taken together, 37854 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 37854 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 37854 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 37854 can be compared directly against any other ZIP in Roane County, Tennessee or nationwide. Nothing here is interpolated — where a source is thin for 37854, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

37854's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 37854 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.