ZIP 40204 Foreclosure, Tax-Lien & Distress Report

ZIP code 40204 in Jefferson County, Kentucky carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 81 and live distress 7 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (78/100). The pressure is most legible in structural risk (81/100), construction/permit lag (65/100), institutional ownership (64/100). mortgage stress (25/100) stay muted.

The market reads peak — home values rose 3.8% year on year, and 13% higher over three years (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 14,018 people live here, median age 39. At $70,706, median income runs near typical U.S. levels. Owners hold 51% of homes, renters 49%. The vacancy rate is 12.3% — elevated. The typical home is worth about $329,000 (4.5× income). On demographic stress specifically, 40204 scores 30/100. Rent burden reaches 31% of tenant households. The poverty rate is 9.7%. There are about 8,818 housing units across 40204. Educational attainment sits at 63% bachelor's-or-above.

Taken together, 40204 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 40204 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 40204 runs through one identical public-record model, so its 36/100 sits on the same scale as every other ZIP in Jefferson County, Kentucky and the nation. Where the public record is thin for 40204, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 40204 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 36/100 roll-up. Practically, 40204 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.