ZIP 40145 Foreclosure, Tax-Lien & Distress Report

Breckinridge County, Kentucky's ZIP 40145 registers 23/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (FEMA disaster exposure (78/100)). The pressure is most legible in construction/permit lag (61/100), institutional ownership (58/100), structural risk (49/100). On the quiet end sit mortgage stress (26/100). On the structural side it scores 49/100, with 8/100 of stress already active.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

About 1,083 people live here, median age 30. Median household income is $33,603, below the U.S. median near $78,000. A median home runs $78,400 here, or 2.3 times local income. Rent burden reaches 0% of tenant households. The ZIP holds roughly 561 housing units. Vacancy runs 54.1%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 35/100. Around 1% of adults hold a bachelor's degree or higher. The tenure split is 82% owner-occupied to 18% rented. Roughly 45.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Net-net, 40145 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 40145 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 40145 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40145 can be compared directly against any other ZIP in Breckinridge County, Kentucky or nationwide. Sparse data for 40145 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 40145 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. The point of the 40145 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.