ZIP 40801 Foreclosure, Tax-Lien & Distress Report

Harlan County, Kentucky's ZIP 40801 registers 23/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: institutional ownership (64/100), structural risk (50/100). Structural exposure scores 50 and live distress 0 on the 0–100 scale. Environmental exposure also runs high (FEMA disaster exposure (84/100), flood (NFIP) exposure (70/100), climate & FEMA risk (61/100)).

Prices here sit in a expansion phase: values rose 5.3% over the trailing year (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Broadly, 40801 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 40801 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 40801, the field stays empty rather than modeled, and fills in as new documents post.

The 23/100 figure for 40801 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. Practically, 40801 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.