ZIP 40737 Foreclosure, Tax-Lien & Distress Report
Laurel County, Kentucky · Affordable market
DLRadar grades ZIP 40737 (Laurel County, Kentucky) at a moderate 34/100 for overall property distress. Climate and flood risk are elevated too — flood (NFIP) exposure (78/100), FEMA disaster exposure (78/100), climate & FEMA risk (69/100). Latent structural risk is 77/100 while live distress already moving reads 7/100. The pressure is most legible in construction/permit lag (100/100), structural risk (77/100), institutional ownership (60/100). mortgage stress (24/100) stay muted.
The market reads peak — home values rose 4.4% year on year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Median household income is $59,500, below the U.S. median near $78,000. The demographic-stress sub-score lands at 28/100. The ZIP holds roughly 624 housing units. Population is roughly 1,824 with a median age of 31. Roughly 19.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 13% have a four-year degree. Vacancy runs 0.0%. The tenure split is 87% owner-occupied to 13% rented. Rent burden reaches 40% of tenant households. The typical home is worth about $137,000 (2.3× income, relatively affordable).
On balance 40737 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The number is not local guesswork: 40737's 34/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 40737 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 34/100 figure for 40737 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 40737 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 40737 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 40737 Stress Report snapshot
The live 40737 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Laurel County ZIP codes
More distress data near 40737
Further distress data across Laurel County, Kentucky at ZIP, county and state level.
Get the full acquisition report for 40737
The full 40737 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology