ZIP 40806 Foreclosure, Tax-Lien & Distress Report
Harlan County, Kentucky · High Vacancy market
Composite property distress in 40806 (Harlan County, Kentucky) lands at 24/100 — low on DLRadar's distress scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (92/100), flood (NFIP) exposure (70/100), climate & FEMA risk (61/100). The pressure is most legible in institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). On the quiet end sit mortgage stress (26/100). Structural risk reads 51/100 against active distress of 8/100.
Prices here sit in a expansion phase: values rose 5.3% over the trailing year, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The tenure split is 75% owner-occupied to 25% rented. The vacancy rate is 16.9% — elevated. About 1,827 people live here, median age 48. About 18% have a four-year degree. Home values center near $99,700, an affordability ratio of 1.9× — accessible. At $57,135, median income runs below typical U.S. levels. Around 39% of renters are cost-burdened. The poverty rate is 16.4% — high, a tax-stress and distress correlate. The ZIP holds roughly 936 housing units. DLRadar's demographic-stress index for the area reads 28/100.
Taken together, 40806 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 40806 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Big metro or rural, 40806 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Harlan County, Kentucky and the nation. Nothing here is interpolated — where a source is thin for 40806, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Each component behind 40806 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. For an operator, 40806 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 40806
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 40806 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 40806, the same set carried on every parcel.
Neighbouring ZIPs in Harlan County
Nearest ZIP codes to 40806
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Kentucky distress
Further distress data across Harlan County, Kentucky at ZIP, county and state level.
Unlock parcel-level detail for ZIP 40806
See who owns each distressed property in 40806, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology