ZIP 40014 Foreclosure, Tax-Lien & Distress Report

ZIP code 40014 in Oldham County, Kentucky carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (95/100), FEMA disaster exposure (71/100), climate & FEMA risk (64/100). The latent-versus-live split is 68/100 structural and 7/100 already moving. The most distinctive pressure shows up in structural risk (68/100), construction/permit lag (63/100), institutional ownership (60/100). On the quiet end sit mortgage stress (23/100).

The market reads peak — home values rose 3.8% year on year, and 24% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 8,302 housing units. The demographic-stress sub-score lands at 21/100. Rent burden reaches 16% of tenant households. 23,039 residents call 40014 home, typically aged 40. Educational attainment sits at 47% bachelor's-or-above. A median home runs $393,700 here, or 3.2 times local income. Roughly 4.9% live below the poverty line, a low share typical of higher-equity areas. 89% of housing is owner-occupied. Median household income is $118,750, above the U.S. median near $78,000. The vacancy rate is 2.8%.

Overall, 40014 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 40014's 30/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 40014, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 40014 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. In workflow terms, 40014 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.