ZIP 40107 Foreclosure, Tax-Lien & Distress Report

In Nelson County, Kentucky, ZIP 40107 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (90/100), FEMA disaster exposure (73/100)). Its standout signals are structural risk (63/100), institutional ownership (59/100), construction/permit lag (52/100). On the quiet end sit mortgage stress (22/100). Structural exposure scores 63 and live distress 7 on the 0–100 scale.

The peak-phase market in 40107 posted values that rose 3.8% over the year, and 45% higher over three years, at 34/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

75% of housing is owner-occupied. The typical home is worth about $204,000 (3.5× income, relatively affordable). The poverty rate is 13.3%. Around 10% of adults hold a bachelor's degree or higher. Vacancy runs 12.4%, above the national norm and a classic distress-and-opportunity signal. At $54,500, median income runs below typical U.S. levels. Population is roughly 1,981 with a median age of 47. Rent burden reaches 7% of tenant households. There are about 1,006 housing units across 40107. The demographic-stress sub-score lands at 27/100.

On the whole, 40107 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.