ZIP 40330 Foreclosure, Tax-Lien & Distress Report

ZIP code 40330 in Mercer County, Kentucky carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. Latent structural risk is 59/100 while live distress already moving reads 7/100. The sharpest non-environmental signals are institutional ownership (62/100), structural risk (59/100), construction/permit lag (54/100). By contrast, mortgage stress (23/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (90/100), FEMA disaster exposure (79/100)).

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 26% higher over three years, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

About 20,805 people live here, median age 42. The ZIP holds roughly 9,674 housing units. Vacancy runs 11.9%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 40330 scores 28/100. The tenure split is 77% owner-occupied to 23% rented. 11.9% of residents fall below the poverty threshold. About 23% have a four-year degree. Around 29% of renters are cost-burdened. Home values center near $199,500, an affordability ratio of 3.0× — accessible. Median household income is $61,804, below the U.S. median near $78,000.

On balance 40330 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 40330 at the moment; the composite and its components are still built from verifiable records.

Whether 40330 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40330 can be compared directly against any other ZIP in Mercer County, Kentucky or nationwide. Nothing here is interpolated — where a source is thin for 40330, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 figure for 40330 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. The point of the 40330 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.