ZIP 40013 Foreclosure, Tax-Lien & Distress Report

In Nelson County, Kentucky, ZIP 40013 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Latent structural risk is 59/100 while live distress already moving reads 7/100. What sets it apart are the readings on structural risk (59/100), institutional ownership (56/100), construction/permit lag (46/100). On the quiet end sit mortgage stress (22/100). Climate and flood risk are elevated too — flood (NFIP) exposure (88/100), FEMA disaster exposure (67/100).

The market reads peak — home values rose 3.8% year on year, and 22% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 6,830 with a median age of 36. Owners hold 96% of homes, renters 4%. The vacancy rate is 3.5%. Around 10% of renters are cost-burdened. Households earn a median $97,592 — above the roughly $78,000 national figure. There are about 2,644 housing units across 40013. The typical home is worth about $265,300 (2.5× income, relatively affordable). On demographic stress specifically, 40013 scores 19/100. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas. Around 28% of adults hold a bachelor's degree or higher.

Overall, 40013 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 40013 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 40013's 26/100 can be lined up against any neighbor in Nelson County, Kentucky or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 40013 reflects the current record instead of a stale or modeled snapshot.

40013's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 40013 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.