ZIP 40826 Foreclosure, Tax-Lien & Distress Report

Letcher County, Kentucky's ZIP 40826 registers 24/100 composite distress, which DLRadar reads as low. Latent structural risk is 52/100 while live distress already moving reads 8/100. Environmental exposure also runs high (flood (NFIP) exposure (85/100), FEMA disaster exposure (84/100), climate & FEMA risk (61/100)). The pressure is most legible in institutional ownership (64/100), structural risk (52/100), mortgage stress (27/100). On the quiet end sit mortgage stress (27/100).

The expansion-phase market in 40826 posted values that rose 5.3% over the year, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 600 with a median age of 40. Roughly 36.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The typical home is worth about $33,100 (1.7× income, relatively affordable). About 3% have a four-year degree. The ZIP holds roughly 362 housing units. Around 0% of renters are cost-burdened. 85% of housing is owner-occupied. On demographic stress specifically, 40826 scores 27/100. The vacancy rate is 23.7% — elevated. Households earn a median $24,821 — below the roughly $78,000 national figure.

On the whole, 40826 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 40826 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 40826 stays directly comparable to neighboring ZIPs and the rest of Letcher County, Kentucky. Where the public record is thin for 40826, the field stays empty rather than modeled, and fills in as new documents post.

40826's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 40826 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.