ZIP 40815 Foreclosure, Tax-Lien & Distress Report

ZIP code 40815 in Harlan County, Kentucky carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. The split runs 50/100 structural to 8/100 active on the ground. What sets it apart are the readings on institutional ownership (63/100), structural risk (50/100), mortgage stress (26/100). mortgage stress (26/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100).

The expansion-phase market in 40815 posted values that rose 5.3% over the year (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

12.5% of residents fall below the poverty threshold. Vacancy runs 35.5%, above the national norm and a classic distress-and-opportunity signal. At $44,453, median income runs below typical U.S. levels. 84% of housing is owner-occupied. There are about 576 housing units across 40815. About 28% have a four-year degree. On demographic stress specifically, 40815 scores 23/100. Home values center near $69,900, an affordability ratio of 1.5× — accessible. Population is roughly 815 with a median age of 46.

Taken together, 40815 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 40815 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 40815 stays directly comparable to neighboring ZIPs and the rest of Harlan County, Kentucky. Every figure is auditable to a public dataset and refreshed on ingest; 40815 shows blanks, not estimates, wherever the record is sparse.

40815's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 40815 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.