ZIP 40215 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 40215 in Jefferson County, Kentucky comes in at 36, a moderate composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (78/100)). The most distinctive pressure shows up in structural risk (81/100), construction/permit lag (65/100), institutional ownership (64/100). By contrast, mortgage stress (25/100) register low. The split runs 81/100 structural to 7/100 active on the ground.

The market reads peak — home values rose 3.8% year on year, and 22% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

42% of housing is owner-occupied. At $42,762, median income runs below typical U.S. levels. The typical home is worth about $114,900 (2.5× income, relatively affordable). The vacancy rate is 13.0% — elevated. 19,444 residents call 40215 home, typically aged 37. There are about 9,154 housing units across 40215. About 13% have a four-year degree. The poverty rate is 27.7% — high, a tax-stress and distress correlate. On demographic stress specifically, 40215 scores 35/100. Rent burden reaches 40% of tenant households.

Net-net, 40215 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 40215 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 40215 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 36/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 40215 shows blanks, not estimates, wherever the record is sparse.

Behind 40215'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 40215 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.