ZIP 40023 Foreclosure, Tax-Lien & Distress Report

ZIP code 40023 in Jefferson County, Kentucky carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. Leading the profile are structural risk (69/100), construction/permit lag (64/100), institutional ownership (59/100). By contrast, mortgage stress (23/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (82/100), FEMA disaster exposure (76/100), climate & FEMA risk (71/100). Structural risk reads 69/100 against active distress of 7/100.

The peak-phase market in 40023 posted values that rose 3.8% over the year, and 17% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $135,863, above the U.S. median near $78,000. Around 0% of renters are cost-burdened. The poverty rate is 2.4% — low. Owners hold 97% of homes, renters 3%. Educational attainment sits at 50% bachelor's-or-above. Vacancy runs 4.0%. On demographic stress specifically, 40023 scores 17/100. The ZIP holds roughly 2,584 housing units. The typical home is worth about $497,800 (3.2× income, relatively affordable). 6,484 residents call 40023 home, typically aged 43.

On balance 40023 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 40023 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 40023 read uses the identical public-record model applied coast to coast, which means its 31/100 score means exactly what it means anywhere else, and 40023 stays directly comparable to neighboring ZIPs and the rest of Jefferson County, Kentucky. Where the public record is thin for 40023, the field stays empty rather than modeled, and fills in as new documents post.

40023'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 40023 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.