ZIP 40162 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 40162 (Hardin County, Kentucky) at a moderate 35/100 for overall property distress. Property-level stress concentrates in construction/permit lag (100/100), structural risk (80/100), institutional ownership (56/100). By contrast, mortgage stress (22/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (94/100), climate & FEMA risk (76/100), FEMA disaster exposure (65/100). Structural exposure scores 80 and live distress 7 on the 0–100 scale.

The contraction-phase market in 40162 posted values that fell 1.1% over the year, 1.9% off the recent peak, and 19% higher over three years (phase confidence 49/100). A cooling market tends to open discount-to-value windows.

Median household income is $81,466, near the U.S. median near $78,000. Owners hold 92% of homes, renters 8%. About 26% have a four-year degree. Around 0% of renters are cost-burdened. The ZIP holds roughly 2,345 housing units. The typical home is worth about $304,600 (3.0× income, relatively affordable). About 5,821 people live here, median age 41. The demographic-stress sub-score lands at 20/100. Roughly 6.3% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 3.5%.

Taken together, 40162 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 40162 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 40162's 35/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 40162, the field stays empty rather than modeled, and fills in as new documents post.

The 35/100 figure for 40162 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. Practically, 40162 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.