ZIP 40828 Foreclosure, Tax-Lien & Distress Report
Harlan County, Kentucky · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 40828 in Harlan County, Kentucky comes in at 23, a low composite-distress reading. The latent-versus-live split is 50/100 structural and 8/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100). The most distinctive pressure shows up in institutional ownership (63/100), structural risk (50/100), mortgage stress (26/100). On the quiet end sit mortgage stress (26/100).
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.
About 4,431 people live here, median age 39. Vacancy runs 13.6%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 28/100. The ZIP holds roughly 1,925 housing units. 77% of housing is owner-occupied. Median household income is $39,340, below the U.S. median near $78,000. Home values center near $62,200, an affordability ratio of 1.4× — accessible. Roughly 26.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 9% of adults hold a bachelor's degree or higher. Around 33% of renters are cost-burdened.
On the whole, 40828 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 40828 at the moment; the composite and its components are still built from verifiable public records.
The number is not local guesswork: 40828's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 40828, the field stays empty rather than modeled, and fills in as new documents post.
The 23/100 figure for 40828 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. Treat 40828 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 40828’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
40828 at a glance
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent Harlan County ZIP reports
More distress data near 40828
More ZIP, county and state distress intelligence connected to Harlan County, Kentucky.
Open the complete 40828 acquisition file
See who owns each distressed property in 40828, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology