ZIP 40514 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 40514 (Fayette County, Kentucky) returns a moderate composite of 32/100. Structural exposure scores 70 and live distress 6 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (83/100), FEMA disaster exposure (65/100). The sharpest non-environmental signals are structural risk (70/100), institutional ownership (54/100), construction/permit lag (52/100). mortgage stress (22/100) stay muted.

The market reads expansion — home values rose 5.9% year on year, and 22% higher over three years, at 40/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 1.4%. The poverty rate is 4.0% — low. Owners hold 72% of homes, renters 28%. On demographic stress specifically, 40514 scores 22/100. Population is roughly 16,919 with a median age of 39. At $96,337, median income runs above typical U.S. levels. The ZIP holds roughly 6,537 housing units. Rent burden reaches 29% of tenant households. A median home runs $315,500 here, or 3.0 times local income. Educational attainment sits at 54% bachelor's-or-above.

On balance 40514 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 40514 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 40514's 32/100 can be lined up against any neighbor in Fayette County, Kentucky or any ZIP coast to coast. 40514 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

40514's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 40514 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.