ZIP 40046 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 40046 (Spencer County, Kentucky) returns a low composite of 20/100. On the structural side it scores 45/100, with 7/100 of stress already active. What sets it apart are the readings on institutional ownership (58/100), structural risk (45/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (22/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (77/100), flood (NFIP) exposure (71/100).

The market reads peak — home values rose 3.9% year on year, and 37% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 40/100. Population is roughly 1,239 with a median age of 44. The poverty rate is 9.4%. Home values center near $221,000, an affordability ratio of 3.8× — accessible. Around 100% of renters are cost-burdened. 97% of housing is owner-occupied. Educational attainment sits at 9% bachelor's-or-above. There are about 546 housing units across 40046. Households earn a median $56,146 — below the roughly $78,000 national figure.

Net-net, 40046 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 40046 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 40046 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 40046 can be compared directly against any other ZIP in Spencer County, Kentucky or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 40046 shows blanks, not estimates, wherever the record is sparse.

Each component behind 40046 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Treat 40046 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.