Clay County, KY: Foreclosures, Tax Liens & Distressed Properties

For Clay County, Kentucky, DLRadar turns county and parcel public records into a single distress score per ZIP. Lender pressure in Clay County registers 87/100 — a elevated bank-stress headwind. 10 ZIP codes are tracked county-wide, averaging 25/100 distress. Individual Clay County ZIPs score between 14 and 34 on the 0–100 composite.

In its peak phase, Clay County home prices rose 4.4% across the last year (phase confidence 22/100). On a market plateau, blanket buying underperforms with opportunity concentrated by ZIP.

With Clay County flat at +4.4% YoY (22/100 confidence), the discount lives in outliers well beyond the county average. Its 87/100 lender headwind favors patient capital: banks under pressure move REO faster.

Distress concentrates in ZIP 40741 (34/100), ZIP 40744 (34/100), ZIP 40962 (34/100), ZIP 40913 (28/100), ZIP 40941 (24/100), ZIP 40972 (24/100) — drill into any for the parcel-level read. Other tracked Clay County ZIPs include 40914, 40874, 40983, 40486.

Profile-wise, the Clay County ZIPs on file run incomes around $55,602, a 28.9% poverty rate, a median age of 39.6, 17.1% of units sitting vacant, an owner-occupied share of 71%, home values averaging roughly $114,900, below the US. Taken together, they frame the kind of distress to expect and the buyer pool on exit.

Net of it all, 25/100 over 10 ZIPs means the opportunity hides below the average — work it parcel by parcel. Subscribers get each Clay County parcel's owner, address and APN, a score, the bank behind the note and how fast it should sell.

The distress read for Clay County, Kentucky is refreshed as new public records post and uses the same methodology coast to coast, so Clay County stays directly comparable to any other market you track.

The practical read on Clay County, Kentucky is a targeting one — find the ZIPs holding real financial pressure, then work the parcels underneath them. The Clay County read is rebuilt from public records as they post — no modeling fills the gaps — so what you see is what the documents support, refreshed on each ingest.

Drilling in, Clay County's highest-scoring ZIPs are 40741 (34/100), 40744 (34/100), 40962 (34/100), 40913 (28/100), 40941 (24/100), 40972 (24/100). DLRadar also scores 40914, 40874, 40983, 40486 across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

Under Clay County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.