ZIP 40022 Foreclosure, Tax-Lien & Distress Report

ZIP code 40022 in Shelby County, Kentucky carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. Structurally it carries 41/100, against 4/100 of stress already in motion. Its heaviest discrete signals: construction/permit lag (42/100), structural risk (41/100), institutional ownership (32/100). On the quiet end sit institutional ownership (32/100) and mortgage stress (13/100). Climate and flood risk are elevated too — climate & FEMA risk (62/100).

Prices here sit in a peak phase: values rose 3.8% over the trailing year (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 357 housing units. A median home runs $576,800 here, or 4.4 times local income. About 32% have a four-year degree. Median household income is $85,833, near the U.S. median near $78,000. Population is roughly 801 with a median age of 51. Roughly 5.2% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 11.3% — elevated. On demographic stress specifically, 40022 scores 25/100. 83% of housing is owner-occupied. Rent burden reaches 0% of tenant households.

On balance, 40022 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 40022 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 40022 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40022 can be compared directly against any other ZIP in Shelby County, Kentucky or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 40022 shows blanks, not estimates, wherever the record is sparse.

The 20/100 figure for 40022 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 40022 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.