ZIP 40769 Foreclosure, Tax-Lien & Distress Report

In Whitley County, Kentucky, ZIP 40769 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100). The most distinctive pressure shows up in institutional ownership (47/100), structural risk (46/100), construction/permit lag (44/100). On the quiet end sit mortgage stress (19/100). Structural exposure scores 46 and live distress 6 on the 0–100 scale.

The market reads neutral — home values rose 4.5% year on year, and 52% higher over three years (phase confidence 22/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 16.8% — elevated. The typical home is worth about $105,500 (2.3× income, relatively affordable). Owners hold 63% of homes, renters 37%. The ZIP holds roughly 7,262 housing units. Around 36% of renters are cost-burdened. The demographic-stress sub-score lands at 32/100. About 17,931 people live here, median age 33. Educational attainment sits at 18% bachelor's-or-above. Roughly 29.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $41,772, below the U.S. median near $78,000.

Net-net, 40769 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 40769 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40769 can be compared directly against any other ZIP in Whitley County, Kentucky or nationwide. Where the record is thin for 40769, the field stays empty rather than modeled, and fills in as new documents post.

40769's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 40769 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.