ZIP 40813 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 40813 (Bell County, Kentucky) returns a low composite of 27/100. Environmental exposure also runs high (FEMA disaster exposure (84/100), flood (NFIP) exposure (73/100), climate & FEMA risk (63/100)). The sharpest non-environmental signals are institutional ownership (62/100), structural risk (61/100), construction/permit lag (40/100). On the quiet end sit mortgage stress (25/100). Structurally it carries 61/100, against 8/100 of stress already in motion.

The peak-phase market in 40813 posted values that rose 4.4% over the year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

321 residents call 40813 home, typically aged 45. A median home runs $159,800 here, or 2.6 times local income. The vacancy rate is 14.1% — elevated. Rent burden reaches 33% of tenant households. Median household income is $62,381, below the U.S. median near $78,000. The demographic-stress sub-score lands at 29/100. The ZIP holds roughly 182 housing units. Educational attainment sits at 5% bachelor's-or-above. The tenure split is 64% owner-occupied to 36% rented. The poverty rate is 5.3% — low.

Net-net, 40813 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 40813 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 40813 runs through one identical public-record model, so its 27/100 sits on the same scale as every other ZIP in Bell County, Kentucky and the nation. The score is rebuilt from public data as it updates, so 40813 reflects the current record instead of a stale or modeled snapshot.

40813's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 40813 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.