ZIP 40059 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 40059 in Oldham County, Kentucky comes in at 33, a moderate composite-distress reading. Structural exposure scores 73 and live distress 7 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), climate & FEMA risk (77/100), FEMA disaster exposure (74/100). The most distinctive pressure shows up in structural risk (73/100), construction/permit lag (65/100), institutional ownership (61/100). By contrast, mortgage stress (24/100) register low.

The market reads peak — home values rose 3.8% year on year, and 20% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 8,840 housing units. DLRadar's demographic-stress index for the area reads 20/100. Home values center near $559,300, an affordability ratio of 3.2× — accessible. Around 34% of renters are cost-burdened. Population is roughly 19,899 with a median age of 48. About 71% have a four-year degree. Owners hold 88% of homes, renters 12%. At $165,000, median income runs above typical U.S. levels. The vacancy rate is 5.6%. Roughly 1.7% live below the poverty line, a low share typical of higher-equity areas.

On balance 40059 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 40059 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 40059's 33/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 40059, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 33/100 figure for 40059 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 an operator, 40059 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.