ZIP 40390 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 40390 in Jessamine County, Kentucky comes in at 28, a low composite-distress reading. Latent structural risk is 64/100 while live distress already moving reads 7/100. The most distinctive pressure shows up in construction/permit lag (68/100), structural risk (64/100), institutional ownership (59/100). By contrast, mortgage stress (23/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (92/100), FEMA disaster exposure (71/100).

The market reads expansion — home values rose 5.9% year on year, and 25% higher over three years, at 40/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 58% owner-occupied to 42% rented. The typical home is worth about $245,900 (3.0× income, relatively affordable). The ZIP holds roughly 2,484 housing units. The poverty rate is 12.1%. 7,480 residents call 40390 home, typically aged 30. The vacancy rate is 11.9% — elevated. Rent burden reaches 29% of tenant households. DLRadar's demographic-stress index for the area reads 28/100. Median household income is $71,731, near the U.S. median near $78,000. Around 41% of adults hold a bachelor's degree or higher.

Net-net, 40390 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 40390 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 40390 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40390 can be compared directly against any other ZIP in Jessamine County, Kentucky or nationwide. The score is rebuilt from public data as it updates, so 40390 reflects the current record instead of a stale or modeled snapshot.

The 28/100 figure for 40390 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. The point of the 40390 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.