ZIP 40144 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 40144 (Breckinridge County, Kentucky) at a low 23/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100). On the structural side it scores 49/100, with 8/100 of stress already active. Its heaviest discrete signals: construction/permit lag (61/100), institutional ownership (58/100), structural risk (49/100). mortgage stress (26/100) stay muted.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The demographic-stress sub-score lands at 30/100. Around 0% of renters are cost-burdened. Roughly 20.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Educational attainment sits at 25% bachelor's-or-above. The ZIP holds roughly 821 housing units. 1,740 residents call 40144 home, typically aged 40. Vacancy runs 16.2%, above the national norm and a classic distress-and-opportunity signal. A median home runs $218,000 here, or 5.0 times local income. Median household income is $40,496, below the U.S. median near $78,000. Owners hold 91% of homes, renters 9%.

Net-net, 40144 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 40144 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 40144 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 40144, the field stays empty rather than modeled, and fills in as new documents post.

The 23/100 figure for 40144 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 40144 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.