ZIP 40444 Foreclosure, Tax-Lien & Distress Report
Garrard County, Kentucky · Distress market
In Garrard County, Kentucky, ZIP 40444 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 53 and live distress 7 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (85/100), FEMA disaster exposure (71/100). Leading the profile are institutional ownership (58/100), construction/permit lag (53/100), structural risk (53/100). mortgage stress (23/100) stay muted.
Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 18% higher over three years (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The vacancy rate is 9.0%. 15.0% of residents fall below the poverty threshold. About 14,207 people live here, median age 43. Around 19% of adults hold a bachelor's degree or higher. Owners hold 80% of homes, renters 20%. DLRadar's demographic-stress index for the area reads 31/100. Home values center near $218,000, an affordability ratio of 3.1× — accessible. There are about 6,082 housing units across 40444. Median household income is $62,324, below the U.S. median near $78,000. Rent burden reaches 46% of tenant households.
On balance 40444 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.
Because one deterministic model scores every ZIP, 40444's 23/100 can be lined up against any neighbor in Garrard County, Kentucky or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 40444 reflects the current record instead of a stale or modeled snapshot.
40444's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 40444 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 40444’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 40444 distress snapshot
The live 40444 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Garrard County
Related reports across Garrard County, Kentucky
Other reports tied to Garrard County, Kentucky — ZIP, county and statewide.
Unlock the full ZIP 40444 acquisition report
The full 40444 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology