ZIP 40228 Foreclosure, Tax-Lien & Distress Report

ZIP 40228's composite property-distress score is 36/100 - DLRadar classes that as moderate for Jefferson County, Kentucky. Structural exposure scores 81 and live distress 7 on the 0–100 scale. The sharpest non-environmental signals are structural risk (81/100), construction/permit lag (65/100), institutional ownership (64/100). By contrast, mortgage stress (25/100) register low. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (78/100)).

Prices here sit in a peak phase: values rose 3.8% over the trailing year, and 16% higher over three years, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

18,491 residents call 40228 home, typically aged 40. Home values center near $241,300, an affordability ratio of 2.9× — accessible. Owners hold 80% of homes, renters 20%. On demographic stress specifically, 40228 scores 23/100. Vacancy runs 3.8%. Median household income is $75,762, near the U.S. median near $78,000. The ZIP holds roughly 7,669 housing units. Around 22% of renters are cost-burdened. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. Around 31% of adults hold a bachelor's degree or higher.

On balance 40228 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 40228 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 40228 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. Nothing here is interpolated — where a source is thin for 40228, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 36/100 for 40228 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 40228 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.