ZIP 40445 Property Distress & Foreclosure Data

In Rockcastle County, Kentucky, ZIP 40445 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are institutional ownership (66/100), structural risk (42/100), mortgage stress (25/100). By contrast, mortgage stress (25/100) register low. On the structural side it scores 42/100, with 8/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), flood (NFIP) exposure (67/100).

The market reads peak — home values rose 4.5% year on year (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

Roughly 46.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 40445 scores 35/100. Around 28% of renters are cost-burdened. A median home runs $82,800 here, or 2.2 times local income. Households earn a median $38,295 — below the roughly $78,000 national figure. The tenure split is 82% owner-occupied to 18% rented. About 4% have a four-year degree. The vacancy rate is 21.1% — elevated. The ZIP holds roughly 361 housing units. About 755 people live here, median age 41.

Net-net, 40445 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.