ZIP 40004 Foreclosure, Tax-Lien & Distress Report

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 (65/100). Its heaviest discrete signals: structural risk (57/100), institutional ownership (55/100), construction/permit lag (36/100). By contrast, construction/permit lag (36/100) and mortgage stress (22/100) register low. The latent-versus-live split is 57/100 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 public 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.