ZIP 40358 Foreclosure, Tax-Lien & Distress Report

Bath County, Kentucky's ZIP 40358 registers 26/100 composite distress, which DLRadar reads as low. Structurally it carries 61/100, against 8/100 of stress already in motion. Its heaviest discrete signals: construction/permit lag (100/100), institutional ownership (72/100), structural risk (61/100). By contrast, mortgage stress (28/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (62/100).

Prices here sit in a peak phase: values rose 4.4% over the trailing year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $220,000, an affordability ratio of 1.7× — accessible. At $84,537, median income runs near typical U.S. levels. 83% of housing is owner-occupied. On demographic stress specifically, 40358 scores 19/100. About 1,219 people live here, median age 42. Around 18% of adults hold a bachelor's degree or higher. The vacancy rate is 7.5%. The ZIP holds roughly 403 housing units. 5.7% of residents fall below the poverty threshold. Rent burden reaches 13% of tenant households.

On balance 40358 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 40358 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 40358 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 40358, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 40358'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. For a buyer, 40358 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.