ZIP 38037 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 38037 (Haywood County, Tennessee) lands at 20/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (69/100), climate & FEMA risk (62/100). Structurally it carries 43/100, against 6/100 of stress already in motion. Property-level stress concentrates in institutional ownership (43/100), structural risk (43/100), mortgage stress (19/100). mortgage stress (19/100) stay muted.

The peak-phase market in 38037 posted values that rose 2.8% over the year (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Households earn a median $45,948 — below the roughly $78,000 national figure. Rent burden reaches 24% of tenant households. There are about 883 housing units across 38037. Population is roughly 1,556 with a median age of 41. The vacancy rate is 18.5% — elevated. Home values center near $88,700, an affordability ratio of 1.9× — accessible. The poverty rate is 31.1% — high, a tax-stress and distress correlate. DLRadar's demographic-stress index for the area reads 30/100. About 13% have a four-year degree. 66% of housing is owner-occupied.

Net-net, 38037 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 38037 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 38037 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 38037, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

38037'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. Practically, 38037 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.