ZIP 40807 Foreclosure, Tax-Lien & Distress Report

ZIP code 40807 in Harlan County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. Property-level stress concentrates in institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) register low. Structurally it carries 51/100, against 8/100 of stress already in motion. Environmental exposure also runs high (FEMA disaster exposure (92/100), flood (NFIP) exposure (70/100), climate & FEMA risk (61/100)).

The market reads expansion — home values rose 5.3% year on year (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $53,171, median income runs below typical U.S. levels. A median home runs $55,500 here, or 1.0 times local income. 11.2% of residents fall below the poverty threshold. Rent burden reaches 0% of tenant households. Educational attainment sits at 22% bachelor's-or-above. Owners hold 92% of homes, renters 8%. DLRadar's demographic-stress index for the area reads 16/100. Population is roughly 535 with a median age of 45. Vacancy runs 16.4%, above the national norm and a classic distress-and-opportunity signal. There are about 321 housing units across 40807.

On the whole, 40807 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 40807 at the moment; the composite and its components are still built from verifiable records.

Whether 40807 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40807 can be compared directly against any other ZIP in Harlan County, Kentucky or nationwide. Sparse data for 40807 shows as blanks, never estimates, and the score updates on every fresh public filing.

40807's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 40807 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.