ZIP 40461 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 40461 (Garrard County, Kentucky) at a low 22/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (86/100), FEMA disaster exposure (69/100). Structurally it carries 50/100, against 7/100 of stress already in motion. The most distinctive pressure shows up in institutional ownership (57/100), structural risk (50/100), construction/permit lag (25/100). On the quiet end sit construction/permit lag (25/100) and mortgage stress (23/100).

The neutral-phase market in 40461 posted values that rose 5.0% over the year, and 30% higher over three years, at 29/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 8.1%. Roughly 13.6% live below the poverty line. At $70,234, median income runs near typical U.S. levels. Educational attainment sits at 24% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 28/100. 79% of housing is owner-occupied. The typical home is worth about $201,800 (2.7× income, relatively affordable). About 2,564 people live here, median age 45. Rent burden reaches 36% of tenant households. The ZIP holds roughly 989 housing units.

Overall, 40461 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 40461 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 40461 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 40461 stays directly comparable to neighboring ZIPs and the rest of Garrard County, Kentucky. The score is rebuilt from public data as it updates, so 40461 reflects the current record instead of a stale or modeled snapshot.

40461'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. The point of the 40461 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.