ZIP 40077 Foreclosure, Tax-Lien & Distress Report
Oldham County, Kentucky · High Vacancy market
On DLRadar's 0-100 distress scale, ZIP 40077 in Oldham County, Kentucky comes in at 31, a moderate composite-distress reading. Structural exposure scores 70 and live distress 7 on the 0–100 scale. Leading the profile are structural risk (70/100), construction/permit lag (65/100), institutional ownership (63/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (77/100), 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 31/100 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 as records update; 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 31/100 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.
What is driving ZIP 40077’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
40077 at a glance
Current distress, phase, housing and lender-pressure figures for 40077, drawn from the same report attached to each property.
Other Oldham County ZIP codes
Nearest ZIP codes to 40077
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 40077
Other reports tied to Oldham County, Kentucky — ZIP, county and statewide.
Open the complete 40077 acquisition file
Pull every distressed parcel in 40077 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
No modelling: every input is a public record · methodology