ZIP 37860 Foreclosure, Tax-Lien & Distress Report

In Hamblen County, Tennessee, ZIP 37860 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (FEMA disaster exposure (89/100)). Leading the profile are institutional ownership (48/100), structural risk (39/100), construction/permit lag (26/100). By contrast, construction/permit lag (26/100) and mortgage stress (17/100) register low. The split runs 39/100 structural to 5/100 active on the ground.

The peak-phase market in 37860 posted values that held roughly flat over the year, 1.1% off the recent peak, and 23% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

80% of housing is owner-occupied. The typical home is worth about $202,200 (2.4× income, relatively affordable). At $74,904, median income runs near typical U.S. levels. Around 52% of renters are cost-burdened. The ZIP holds roughly 1,604 housing units. 9.1% of residents fall below the poverty threshold. Vacancy runs 0.0%. Around 15% of adults hold a bachelor's degree or higher. About 3,739 people live here, median age 47. DLRadar's demographic-stress index for the area reads 28/100.

Net-net, 37860 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 37860 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 37860 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 37860 reflects the current record instead of a stale or modeled snapshot.

37860'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. In workflow terms, 37860 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.