ZIP 40391 Property Distress & Foreclosure Data

In Clark County, Kentucky, ZIP 40391 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), FEMA disaster exposure (88/100). The latent-versus-live split is 60/100 structural and 8/100 already moving. Its standout signals are institutional ownership (67/100), structural risk (60/100), construction/permit lag (47/100). By contrast, mortgage stress (25/100) register low.

The market reads expansion — home values rose 5.3% year on year, and 21% higher over three years (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 29% of renters are cost-burdened. Roughly 12.9% live below the poverty line. Households earn a median $67,910 — below the roughly $78,000 national figure. About 36,729 people live here, median age 41. On demographic stress specifically, 40391 scores 28/100. About 22% have a four-year degree. A median home runs $204,900 here, or 2.9 times local income. The tenure split is 71% owner-occupied to 29% rented. The ZIP holds roughly 16,243 housing units. The vacancy rate is 8.1%.

Net-net, 40391 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.