ZIP 40121 Foreclosure, Tax-Lien & Distress Report

Hardin County, Kentucky's ZIP 40121 registers 34/100 composite distress, which DLRadar reads as moderate. On the structural side it scores 78/100, with 0/100 of stress already active. What sets it apart are the readings on construction/permit lag (100/100), structural risk (78/100), institutional ownership (56/100). Environmental exposure also runs high (flood (NFIP) exposure (92/100), climate & FEMA risk (71/100), FEMA disaster exposure (66/100)).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 1.6% off the recent peak (phase confidence 39/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Households earn a median $74,224 — near the roughly $78,000 national figure. Rent burden reaches 14% of tenant households. The vacancy rate is 10.8%. 8.0% of residents fall below the poverty threshold. The tenure split is 1% owner-occupied to 99% rented. There are about 2,497 housing units across 40121. Population is roughly 8,715 with a median age of 24. On demographic stress specifically, 40121 scores 31/100. About 42% have a four-year degree.

On the whole, 40121 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 40121 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 40121's 34/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 40121 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 40121'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. The point of the 40121 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.