ZIP 40819 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 40819 (Harlan County, Kentucky) returns a low composite of 23/100. Latent structural risk is 50/100 while live distress already moving reads 0/100. Leading the profile are institutional ownership (63/100), structural risk (50/100). It additionally carries heavy environmental risk: FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100).

The market reads expansion — home values rose 5.3% year on year, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Roughly 14.9% live below the poverty line. Households earn a median $31,321 — below the roughly $78,000 national figure. Population is roughly 632 with a median age of 53. The ZIP holds roughly 524 housing units. The demographic-stress sub-score lands at 30/100. Around 2% of adults hold a bachelor's degree or higher. The vacancy rate is 26.3% — elevated. 89% of housing is owner-occupied.

On the whole, 40819 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 40819 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 40819's 23/100 can be lined up against any neighbor in Harlan County, Kentucky or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 40819 reflects the current record instead of a stale or modeled snapshot.

The 23/100 figure for 40819 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 40819 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.