ZIP 40385 Foreclosure, Tax-Lien & Distress Report
Madison County, Kentucky · High Vacancy market
Madison County, Kentucky's ZIP 40385 registers 25/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (87/100), climate & FEMA risk (76/100), FEMA disaster exposure (73/100). The most distinctive pressure shows up in institutional ownership (59/100), structural risk (55/100), mortgage stress (22/100). By contrast, mortgage stress (22/100) register low. Structural exposure scores 55 and live distress 7 on the 0–100 scale.
The market reads peak — home values rose 4.5% year on year, and 30% higher over three years, at 33/100 phase confidence. Topping markets hide individual distress behind strong averages.
About 2,378 people live here, median age 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. On demographic stress specifically, 40385 scores 33/100. About 20% have a four-year degree. The tenure split is 81% owner-occupied to 19% rented. Rent burden reaches 54% of tenant households. Vacancy runs 26.8%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $58,092 — below the roughly $78,000 national figure.
Net-net, 40385 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Distress signal breakdown — ZIP 40385
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 40385 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Madison County
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Deterministic. Every signal traces to a public dataset · methodology