ZIP 40419 Foreclosure, Tax-Lien & Distress Report

ZIP code 40419 in Lincoln County, Kentucky carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (72/100), FEMA disaster exposure (72/100). Leading the profile are institutional ownership (55/100), construction/permit lag (51/100), structural risk (51/100). On the quiet end sit mortgage stress (23/100). Structurally it carries 51/100, against 7/100 of stress already in motion.

The neutral-phase market in 40419 posted values that rose 4.6% over the year (phase confidence 24/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 11.5%, above the national norm and a classic distress-and-opportunity signal. 80% of housing is owner-occupied. Population is roughly 5,128 with a median age of 38. Around 29% of renters are cost-burdened. The ZIP holds roughly 1,962 housing units. Around 12% of adults hold a bachelor's degree or higher. The typical home is worth about $124,100 (2.6× income, relatively affordable). Median household income is $53,078, below the U.S. median near $78,000. On demographic stress specifically, 40419 scores 29/100. Roughly 16.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

On balance 40419 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 40419 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 40419's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 40419 shows blanks, not estimates, wherever the record is sparse.

Behind 40419's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 40419 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.