ZIP 40385 Foreclosure, Tax-Lien & Distress Report

In Madison County, Kentucky, ZIP 40385 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (87/100), climate & FEMA risk (76/100), FEMA disaster exposure (65/100)). The sharpest non-environmental signals are structural risk (60/100), institutional ownership (55/100), construction/permit lag (25/100). By contrast, construction/permit lag (25/100) and mortgage stress (22/100) register low. The split runs 60/100 structural to 7/100 active on the ground.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 30% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 2,378 with a median age of 40. A median home runs $194,700 here, or 3.0 times local income. Roughly 12.0% live below the poverty line. There are about 1,237 housing units across 40385. The demographic-stress sub-score lands at 33/100. About 20% have a four-year degree. Owners hold 81% of homes, renters 19%. Around 54% of renters are cost-burdened. The vacancy rate is 26.8% — elevated. At $58,092, median income runs below typical U.S. levels.

On the whole, 40385 leans distressed, with opportunity clustered in specific stressed parcels. 40385 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 40385 read uses the identical public-record model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 40385 stays directly comparable to neighboring ZIPs and the rest of Madison County, Kentucky. The score is rebuilt from public data as it updates, so 40385 reflects the current record instead of a stale or modeled snapshot.

40385's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 40385 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.