ZIP 40445 Foreclosure, Tax-Lien & Distress Report

ZIP 40445's composite property-distress score is 19/100 - DLRadar classes that as low for Rockcastle County, Kentucky. The sharpest non-environmental signals are institutional ownership (65/100), structural risk (42/100), mortgage stress (25/100). On the quiet end sit mortgage stress (25/100). On the structural side it scores 42/100, with 8/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (93/100), flood (NFIP) exposure (67/100).

Prices here sit in a peak phase: values rose 4.4% over the trailing year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

46.4% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 35/100. Around 28% of renters are cost-burdened. The typical home is worth about $82,800 (2.2× income, relatively affordable). Median household income is $38,295, below the U.S. median near $78,000. Owners hold 82% of homes, renters 18%. About 4% have a four-year degree. Vacancy runs 21.1%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 361 housing units. Population is roughly 755 with a median age of 41.

Taken together, 40445 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 40445 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 40445 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40445 can be compared directly against any other ZIP in Rockcastle County, Kentucky or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 40445 shows blanks, not estimates, wherever the record is sparse.

Behind 40445'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. For an operator, 40445 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.