ZIP 40055 Foreclosure, Tax-Lien & Distress Report

ZIP code 40055 in Trimble County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. The latent-versus-live split is 54/100 structural and 7/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (85/100), FEMA disaster exposure (77/100)). What sets it apart are the readings on institutional ownership (60/100), construction/permit lag (59/100), structural risk (54/100). mortgage stress (22/100) stay muted.

The peak-phase market in 40055 posted values that rose 4.5% over the year, and 26% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $294,900 here, or 2.3 times local income. Around 15% of adults hold a bachelor's degree or higher. The tenure split is 84% owner-occupied to 16% rented. Vacancy runs 14.3%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 831 housing units. The poverty rate is 16.0%. Median household income is $83,401, near the U.S. median near $78,000. The demographic-stress sub-score lands at 22/100. Population is roughly 2,386 with a median age of 44. Around 0% of renters are cost-burdened.

Net-net, 40055 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 40055 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 40055 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Trimble County, Kentucky and the nation. The score is rebuilt from public data as it updates, so 40055 reflects the current record instead of a stale or modeled snapshot.

Each component behind 40055 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. Practically, 40055 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.