ZIP 40475 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 40475 (Madison County, Kentucky) at a low 27/100 for overall property distress. Structural exposure scores 60 and live distress 7 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (87/100), climate & FEMA risk (76/100), FEMA disaster exposure (65/100)). The pressure is most legible in structural risk (60/100), institutional ownership (55/100), construction/permit lag (25/100). By contrast, construction/permit lag (25/100) and mortgage stress (22/100) register low.

The market reads peak — home values rose 4.4% year on year, and 19% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

Home values center near $244,300, an affordability ratio of 3.7× — accessible. There are about 28,404 housing units across 40475. 65,030 residents call 40475 home, typically aged 34. Roughly 15.6% live below the poverty line. The tenure split is 59% owner-occupied to 41% rented. The demographic-stress sub-score lands at 31/100. The vacancy rate is 7.4%. Around 37% of adults hold a bachelor's degree or higher. At $62,731, median income runs below typical U.S. levels. Rent burden reaches 34% of tenant households.

Net-net, 40475 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 40475 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 40475 read uses the identical public-record model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 40475 stays directly comparable to neighboring ZIPs and the rest of Madison County, Kentucky. Every figure is auditable to a public dataset and refreshed on ingest; 40475 shows blanks, not estimates, wherever the record is sparse.

The 27/100 figure for 40475 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 40475 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.