ZIP 40744 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 40744 (Laurel County, Kentucky) lands at 34/100 — moderate on DLRadar's public-record scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (78/100), FEMA disaster exposure (78/100), climate & FEMA risk (69/100). Structural exposure scores 77 and live distress 7 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (100/100), structural risk (77/100), institutional ownership (60/100). mortgage stress (24/100) stay muted.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 14% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $64,643, below the U.S. median near $78,000. Roughly 21.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 73% owner-occupied to 27% rented. The demographic-stress sub-score lands at 29/100. The typical home is worth about $172,700 (2.4× income, relatively affordable). About 17% have a four-year degree. The ZIP holds roughly 8,218 housing units. About 20,104 people live here, median age 39. Rent burden reaches 33% of tenant households. The vacancy rate is 9.4%.

On the whole, 40744 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 40744 runs through one identical public-record model, so its 34/100 sits on the same scale as every other ZIP in Laurel County, Kentucky and the nation. The score is rebuilt from public data as it updates, so 40744 reflects the current record instead of a stale or modeled snapshot.

Behind 40744'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 an operator, 40744 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.