ZIP 40511 Property Distress & Foreclosure Data

ZIP code 40511 in Fayette County, Kentucky carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (74/100), construction/permit lag (68/100), institutional ownership (57/100). By contrast, mortgage stress (21/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (88/100), flood (NFIP) exposure (82/100), FEMA disaster exposure (73/100). On the structural side it scores 74/100, with 6/100 of stress already active.

The market reads expansion — home values rose 5.3% year on year, and 27% higher over three years (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The tenure split is 62% owner-occupied to 38% rented. Around 36% of renters are cost-burdened. Households earn a median $77,476 — near the roughly $78,000 national figure. A median home runs $252,400 here, or 3.0 times local income. About 38% have a four-year degree. About 36,101 people live here, median age 36. Roughly 15.1% live below the poverty line. The vacancy rate is 6.3%. On demographic stress specifically, 40511 scores 29/100. The ZIP holds roughly 15,646 housing units.

Net-net, 40511 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.