ZIP 40031 Foreclosure, Tax-Lien & Distress Report

In Oldham County, Kentucky, ZIP 40031 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. Structural risk reads 67/100 against active distress of 7/100. Environmental exposure also runs high (flood (NFIP) exposure (94/100), FEMA disaster exposure (71/100), climate & FEMA risk (61/100)). The most distinctive pressure shows up in structural risk (67/100), construction/permit lag (63/100), institutional ownership (59/100). mortgage stress (23/100) stay muted.

The market reads peak — home values rose 3.8% year on year, and 24% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $341,000 (3.3× income, relatively affordable). The ZIP holds roughly 8,617 housing units. About 25,697 people live here, median age 40. Owners hold 82% of homes, renters 18%. Vacancy runs 4.3%. Median household income is $96,682, above the U.S. median near $78,000. About 34% have a four-year degree. The poverty rate is 6.0% — low. Rent burden reaches 42% of tenant households. The demographic-stress sub-score lands at 27/100.

On balance 40031 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 40031 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 40031 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in Oldham County, Kentucky and the nation. The score is rebuilt from public data as it updates, so 40031 reflects the current record instead of a stale or modeled snapshot.

40031's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 40031 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.