ZIP 40810 Foreclosure, Tax-Lien & Distress Report
Harlan County, Kentucky · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 40810 in Harlan County, Kentucky comes in at 23, a low composite-distress reading. The pressure is most legible in institutional ownership (63/100), structural risk (49/100), mortgage stress (26/100). mortgage stress (26/100) stay muted. Structural exposure scores 49 and live distress 8 on the 0–100 scale. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (68/100).
The market reads expansion — home values rose 5.3% year on year, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
At $38,214, median income runs below typical U.S. levels. Roughly 29.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 17.9% — elevated. Educational attainment sits at 6% bachelor's-or-above. The ZIP holds roughly 613 housing units. The demographic-stress sub-score lands at 26/100. A median home runs $64,700 here, or 1.7 times local income. Population is roughly 1,403 with a median age of 35. Around 12% of renters are cost-burdened. 86% of housing is owner-occupied.
On the whole, 40810 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 40810 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 40810 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 40810 stays directly comparable to neighboring ZIPs and the rest of Harlan County, Kentucky. Where the public record is thin for 40810, the field stays empty rather than modeled, and fills in as new documents post.
Behind 40810'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, 40810 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 40810’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 40810 by the numbers
The live 40810 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Harlan County
More distress data near 40810
Additional distress intelligence spanning Harlan County, Kentucky by ZIP, county and state.
Unlock parcel-level detail for ZIP 40810
Get every distressed property in 40810 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click funding + closing path. Nationwide, refreshed continuously.
Each signal above is traceable to an open dataset · methodology