ZIP 40107 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 40107 in Nelson County, Kentucky comes in at 26, a low composite-distress reading. Environmental exposure also runs high (flood (NFIP) exposure (90/100), FEMA disaster exposure (65/100)). The most distinctive pressure shows up in structural risk (57/100), institutional ownership (55/100), construction/permit lag (36/100). On the quiet end sit construction/permit lag (36/100) and mortgage stress (22/100). Latent structural risk is 57/100 while live distress already moving reads 7/100.

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 45% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

75% of housing is owner-occupied. Home values center near $204,000, an affordability ratio of 3.5× — accessible. 13.3% of residents fall below the poverty threshold. About 10% have a four-year degree. Vacancy runs 12.4%, above the national norm and a classic distress-and-opportunity signal. Median household income is $54,500, below the U.S. median near $78,000. 1,981 residents call 40107 home, typically aged 47. Rent burden reaches 7% of tenant households. The ZIP holds roughly 1,006 housing units. On demographic stress specifically, 40107 scores 27/100.

Net-net, 40107 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 40107 at the moment; the composite and its components are still built from verifiable public records.

The 40107 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 40107 stays directly comparable to neighboring ZIPs and the rest of Nelson County, Kentucky. 40107 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 40107's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 40107 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.