ZIP 40353 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 40353 (Montgomery County, Kentucky) returns a low composite of 20/100. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100). Structural exposure scores 42 and live distress 5 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (55/100), institutional ownership (44/100), structural risk (42/100). On the quiet end sit mortgage stress (18/100).

The market reads neutral — home values rose 4.5% year on year, and 19% higher over three years (phase confidence 23/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $56,981 — below the roughly $78,000 national figure. 64% of housing is owner-occupied. About 22,534 people live here, median age 42. Around 25% of renters are cost-burdened. 15.1% of residents fall below the poverty threshold. Around 22% of adults hold a bachelor's degree or higher. Vacancy runs 8.8%. On demographic stress specifically, 40353 scores 29/100. The ZIP holds roughly 9,901 housing units. The typical home is worth about $184,000 (3.1× income, relatively affordable).

Net-net, 40353 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 40353 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 40353's 20/100 can be lined up against any neighbor in Montgomery County, Kentucky or any ZIP coast to coast. Where the public record is thin for 40353, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 40353 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, 40353 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.