ZIP 40489 Foreclosure, Tax-Lien & Distress Report

ZIP code 40489 in Lincoln County, Kentucky carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (69/100), FEMA disaster exposure (66/100). Structurally it carries 49/100, against 6/100 of stress already in motion. Its standout signals are construction/permit lag (53/100), institutional ownership (51/100), structural risk (49/100). mortgage stress (22/100) stay muted.

The neutral-phase market in 40489 posted values that rose 4.5% over the year, and 46% higher over three years (phase confidence 23/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 1,663 housing units. About 13% have a four-year degree. Rent burden reaches 79% of tenant households. DLRadar's demographic-stress index for the area reads 35/100. 4,238 residents call 40489 home, typically aged 42. Owners hold 89% of homes, renters 11%. Roughly 23.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 7.3%. Households earn a median $49,205 — below the roughly $78,000 national figure. The typical home is worth about $91,200 (2.4× income, relatively affordable).

Net-net, 40489 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 40489 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 40489 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40489 can be compared directly against any other ZIP in Lincoln County, Kentucky or nationwide. Sparse data for 40489 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 22/100 for 40489 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 40489 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.