ZIP 40403 Foreclosure, Tax-Lien & Distress Report

In Madison County, Kentucky, ZIP 40403 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (56/100), structural risk (56/100), construction/permit lag (25/100). On the quiet end sit construction/permit lag (25/100) and mortgage stress (23/100). Climate and flood risk are elevated too — flood (NFIP) exposure (85/100), FEMA disaster exposure (68/100), climate & FEMA risk (65/100). Structurally it carries 56/100, against 7/100 of stress already in motion.

The neutral-phase market in 40403 posted values that rose 4.5% over the year, and 19% higher over three years (phase confidence 23/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $60,105, median income runs below typical U.S. levels. The ZIP holds roughly 11,355 housing units. Rent burden reaches 38% of tenant households. The vacancy rate is 7.9%. 17.6% of residents fall below the poverty threshold. The tenure split is 70% owner-occupied to 30% rented. Educational attainment sits at 26% bachelor's-or-above. Population is roughly 26,733 with a median age of 38. On demographic stress specifically, 40403 scores 30/100. A median home runs $200,200 here, or 3.0 times local income.

On balance 40403 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 40403 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40403 can be compared directly against any other ZIP in Madison County, Kentucky or nationwide. 40403 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

40403's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 40403 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.