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

Garrard County, Kentucky sits inside DLRadar's nationwide distress index, built entirely from public records. ZIP-level distress ranges from 25/100 at the top down to 22/100. The county spans 5 scored ZIP codes, averaging 23/100 composite distress. County-level credit and bank headwind reads 41/100.

In its expansion phase, Garrard County home prices rose 5.3% across the last year, at 33/100 phase confidence. Despite the upswing, specific ZIPs still slip which the scoring still flags.

With growth of +5.3% YoY (33/100 confidence), liquidity improves for clean exits so buy those and momentum helps on exit. A mid-cycle 41/100 lender reading means both signal sets in play here.

Highest scores land in 40403 (25/100), 40419 (23/100), 40444 (23/100), 40461 (22/100), 40484 (22/100); each opens to a full parcel breakdown.

Underneath the scores, Garrard County's tracked footprint report incomes around $59,322, vacancy near 9.2%, 77% of homes owner-occupied, median home values around $181,920 (below the national figure), poverty running near 16.1%, a median age of 41.2. Taken together, they signal the depth of motivated supply and the pace of resale.

With a low 23/100 reading over 5 ZIPs, Garrard County is a screen-by-ZIP market and not a county-wide play. Inside DLRadar, each Garrard County property carries owner, address and APN, its own score, the lender behind it and an exit read.

Because Garrard County, Kentucky is scored on the identical public-record model used nationwide, even a quiet county is measured on one scale — letting you weigh Garrard County against neighboring markets or the rest of Kentucky on equal footing.

For an acquisition buyer, the practical use of Garrard County, Kentucky's scores is triage: the ZIPs and parcels carrying the highest composite are where motivated sellers and below-market exits concentrate, while lower-scored areas rarely justify the marketing spend. Every figure traces to a public federal or county source — recorder and court records for foreclosure and liens, FHFA for the price cycle, FDIC for lender stress — and DLRadar leaves a signal blank rather than estimating where Garrard County data is thin.

The ZIP breakdown for Garrard County leads with 40403 (25/100), 40419 (23/100), 40444 (23/100), 40461 (22/100), 40484 (22/100). Because each ZIP is graded on its own foreclosure, tax and lender record, the county's distress is best read code by code rather than as a single number.

Under Garrard 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.