ZIP 40823 Foreclosure, Tax-Lien & Distress Report

ZIP code 40823 in Harlan County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. Its heaviest discrete signals: institutional ownership (65/100), structural risk (51/100), mortgage stress (26/100). mortgage stress (26/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (92/100), flood (NFIP) exposure (70/100), climate & FEMA risk (61/100). The split runs 51/100 structural to 8/100 active on the ground.

The expansion-phase market in 40823 posted values that rose 5.3% over the year (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 1,817 housing units across 40823. Vacancy runs 15.9%, above the national norm and a classic distress-and-opportunity signal. Median household income is $35,704, below the U.S. median near $78,000. 57% of housing is owner-occupied. Educational attainment sits at 13% bachelor's-or-above. About 3,907 people live here, median age 32. Around 36% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 36/100. Roughly 42.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $70,500 here, or 2.1 times local income.

On the whole, 40823 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 40823 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 40823's 24/100 can be lined up against any neighbor in Harlan County, Kentucky or any ZIP coast to coast. Sparse data for 40823 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 24/100 for 40823 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 40823 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.