ZIP 40740 Foreclosure, Tax-Lien & Distress Report

ZIP code 40740 in Laurel County, Kentucky carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic distress index. Environmental exposure also runs high (FEMA disaster exposure (84/100), flood (NFIP) exposure (77/100), climate & FEMA risk (69/100)). Structural risk reads 78/100 against active distress of 7/100. Its standout signals are construction/permit lag (100/100), structural risk (78/100), institutional ownership (63/100). On the quiet end sit mortgage stress (24/100).

The market reads peak — home values rose 4.4% year on year, and 34% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $60,824, below the U.S. median near $78,000. Roughly 21.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 10% of adults hold a bachelor's degree or higher. About 3,954 people live here, median age 40. Around 62% of renters are cost-burdened. Vacancy runs 2.3%. Home values center near $111,100, an affordability ratio of 2.0× — accessible. On demographic stress specifically, 40740 scores 34/100. Owners hold 64% of homes, renters 36%. The ZIP holds roughly 1,422 housing units.

On the whole, 40740 leans distressed, with opportunity clustered in specific stressed parcels. 40740 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 40740 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 35/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 40740 reflects the current record instead of a stale or modeled snapshot.

Behind 40740's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 40740 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.