ZIP 40818 Foreclosure, Tax-Lien & Distress Report

Harlan County, Kentucky's ZIP 40818 registers 24/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — FEMA disaster exposure (92/100), flood (NFIP) exposure (70/100), climate & FEMA risk (61/100). The latent-versus-live split is 51/100 structural and 0/100 already moving. The pressure is most legible in institutional ownership (65/100), structural risk (51/100).

The market reads expansion — home values rose 5.3% year on year (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Roughly 53.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 89% of housing is owner-occupied. 148 residents call 40818 home, typically aged 46. DLRadar's demographic-stress index for the area reads 57/100. Around 0% of renters are cost-burdened. Around 5% of adults hold a bachelor's degree or higher. Households earn a median $36,797 — below the roughly $78,000 national figure. The vacancy rate is 37.8% — elevated. There are about 48 housing units across 40818.

Taken together, 40818 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 40818 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 40818 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. Every figure is auditable to a public dataset and refreshed as records update; 40818 shows blanks, not estimates, wherever the record is sparse.

40818'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, 40818 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.