ZIP 40014 Property Distress & Foreclosure Data

Composite property distress in 40014 (Oldham County, Kentucky) lands at 33/100 — moderate on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (95/100), FEMA disaster exposure (79/100), climate & FEMA risk (64/100)). The latent-versus-live split is 74/100 structural and 7/100 already moving. The sharpest non-environmental signals are construction/permit lag (80/100), structural risk (74/100), institutional ownership (63/100). On the quiet end sit mortgage stress (23/100).

The peak-phase market in 40014 posted values that rose 3.8% over the year, and 24% higher over three years (phase confidence 34/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 8,302 housing units. The demographic-stress sub-score lands at 21/100. Around 16% of renters are cost-burdened. Population is roughly 23,039 with a median age of 40. Around 47% of adults hold a bachelor's degree or higher. The typical home is worth about $393,700 (3.2× income, relatively affordable). The poverty rate is 4.9% — low. 89% of housing is owner-occupied. At $118,750, median income runs above typical U.S. levels. The vacancy rate is 2.8%.

On balance 40014 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.