ZIP 40824 Foreclosure, Tax-Lien & Distress Report

In Harlan County, Kentucky, ZIP 40824 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 50/100, with 8/100 of stress already active. The sharpest non-environmental signals are 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 40824 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.

720 residents call 40824 home, typically aged 22. Home values center near $46,600, an affordability ratio of 1.2× — accessible. The ZIP holds roughly 335 housing units. Rent burden reaches 43% of tenant households. 52% of housing is owner-occupied. 28.6% of residents fall below the poverty threshold. The vacancy rate is 26.9% — elevated. About 0% have a four-year degree. The demographic-stress sub-score lands at 35/100. Households earn a median $36,063 — below the roughly $78,000 national figure.

Net-net, 40824 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 40824 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 40824 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40824 can be compared directly against any other ZIP in Harlan County, Kentucky or nationwide. Nothing here is interpolated — where a source is thin for 40824, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 40824's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 40824 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.