ZIP 40109 Foreclosure, Tax-Lien & Distress Report

Bullitt County, Kentucky's ZIP 40109 registers 34/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — flood (NFIP) exposure (92/100), FEMA disaster exposure (84/100), climate & FEMA risk (78/100). What sets it apart are the readings on structural risk (77/100), construction/permit lag (72/100), institutional ownership (66/100). mortgage stress (23/100) stay muted. Structural exposure scores 77 and live distress 7 on the 0–100 scale.

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 24% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

The tenure split is 89% owner-occupied to 11% rented. Households earn a median $73,350 — near the roughly $78,000 national figure. The typical home is worth about $262,400 (3.3× income, relatively affordable). The vacancy rate is 4.8%. The ZIP holds roughly 1,031 housing units. DLRadar's demographic-stress index for the area reads 24/100. Rent burden reaches 18% of tenant households. Around 17% of adults hold a bachelor's degree or higher. Population is roughly 2,363 with a median age of 49. 4.0% of residents fall below the poverty threshold.

Overall, 40109 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 40109 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 40109's 34/100 can be lined up against any neighbor in Bullitt County, Kentucky or any ZIP coast to coast. Sparse data for 40109 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 40109'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, 40109 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.