ZIP 40004 Foreclosure, Tax-Lien & Distress Report
Nelson County, Kentucky · Distress market
Nelson County, Kentucky's ZIP 40004 registers 26/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), FEMA disaster exposure (71/100). Its heaviest discrete signals: institutional ownership (58/100), structural risk (58/100), construction/permit lag (35/100). By contrast, construction/permit lag (35/100) and mortgage stress (22/100) register low. The latent-versus-live split is 58/100 structural and 7/100 already moving.
The market reads peak — home values rose 3.8% year on year, and 21% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
There are about 13,130 housing units across 40004. Owners hold 72% of homes, renters 28%. About 30,345 people live here, median age 41. Around 25% of adults hold a bachelor's degree or higher. On demographic stress specifically, 40004 scores 29/100. Vacancy runs 5.1%. Rent burden reaches 36% of tenant households. Median household income is $64,222, below the U.S. median near $78,000. A median home runs $242,200 here, or 3.5 times local income. Roughly 10.2% live below the poverty line.
On balance 40004 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 40004 at the moment; the composite and its components are still built from verifiable records.
The number is not local guesswork: 40004's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 40004 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 26/100 for 40004 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 40004 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.
ZIP 40004 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 40004 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Nelson County
Nearest ZIP codes to 40004
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Nelson County, Kentucky
Keep going: ZIP, county and state distress coverage for Nelson County, Kentucky.
See every distressed parcel in 40004
Open 40004 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology