ZIP 40359 Foreclosure, Tax-Lien & Distress Report

ZIP code 40359 in Owen County, Kentucky carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (88/100), FEMA disaster exposure (73/100)). The latent-versus-live split is 51/100 structural and 7/100 already moving. What sets it apart are the readings on institutional ownership (59/100), construction/permit lag (56/100), structural risk (51/100). On the quiet end sit mortgage stress (25/100).

The peak-phase market in 40359 posted values that rose 4.7% over the year, and 5% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 3,240 housing units. Around 28% of renters are cost-burdened. The demographic-stress sub-score lands at 27/100. The vacancy rate is 18.5% — elevated. The poverty rate is 14.0%. The typical home is worth about $169,700 (2.8× income, relatively affordable). Around 20% of adults hold a bachelor's degree or higher. Population is roughly 7,222 with a median age of 43. At $59,746, median income runs below typical U.S. levels. 86% of housing is owner-occupied.

On the whole, 40359 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.