ZIP 40359 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 40359 (Owen County, Kentucky) lands at 20/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (88/100), FEMA disaster exposure (65/100)). The split runs 45/100 structural to 7/100 active on the ground. The sharpest non-environmental signals are institutional ownership (55/100), structural risk (45/100), construction/permit lag (38/100). construction/permit lag (38/100) and mortgage stress (25/100) stay muted.

The market reads expansion — home values rose 5.3% year on year, and 5% higher over three years, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 3,240 housing units. Rent burden reaches 28% of tenant households. The demographic-stress sub-score lands at 27/100. Vacancy runs 18.5%, above the national norm and a classic distress-and-opportunity signal. 14.0% of residents fall below the poverty threshold. Home values center near $169,700, an affordability ratio of 2.8× — accessible. Educational attainment sits at 20% bachelor's-or-above. Population is roughly 7,222 with a median age of 43. At $59,746, median income runs below typical U.S. levels. The tenure split is 86% owner-occupied to 14% rented.

Net-net, 40359 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 40359 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 40359 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 40359 shows blanks, not estimates, wherever the record is sparse.

The 20/100 figure for 40359 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. For a buyer, 40359 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.