ZIP 40077 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 40077 in Oldham County, Kentucky comes in at 30, a moderate composite-distress reading. Structural exposure scores 68 and live distress 7 on the 0–100 scale. Leading the profile are structural risk (68/100), construction/permit lag (63/100), institutional ownership (60/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), FEMA disaster exposure (71/100), climate & FEMA risk (64/100).

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 14% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 68% of homes, renters 32%. The poverty rate is 3.2% — low. 597 residents call 40077 home, typically aged 43. The vacancy rate is 13.4% — elevated. A median home runs $196,400 here, or 3.2 times local income. About 19% have a four-year degree. On demographic stress specifically, 40077 scores 29/100. Rent burden reaches 37% of tenant households. The ZIP holds roughly 321 housing units. Households earn a median $61,912 — below the roughly $78,000 national figure.

On the whole, 40077 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 40077 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 40077's 30/100 can be lined up against any neighbor in Oldham County, Kentucky or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 40077 shows blanks, not estimates, wherever the record is sparse.

Each component behind 40077 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. Practically, 40077 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.