ZIP 40115 Foreclosure, Tax-Lien & Distress Report

Breckinridge County, Kentucky's ZIP 40115 registers 23/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100). Structural exposure scores 49 and live distress 8 on the 0–100 scale. The most distinctive pressure shows up in construction/permit lag (61/100), institutional ownership (58/100), structural risk (49/100). On the quiet end sit mortgage stress (26/100).

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Owners hold 90% of homes, renters 10%. 41.5% of residents fall below the poverty threshold. About 7% have a four-year degree. Around 100% of renters are cost-burdened. Median household income is $52,250, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 47/100. About 990 people live here, median age 40. Vacancy runs 20.4%, above the national norm and a classic distress-and-opportunity signal. A median home runs $149,100 here, or 3.0 times local income. The ZIP holds roughly 365 housing units.

Net-net, 40115 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 40115 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 40115's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 40115, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

40115's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 40115 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.