ZIP 40845 Property Distress & Foreclosure Data

ZIP code 40845 in Bell County, Kentucky carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (88/100), flood (NFIP) exposure (73/100), climate & FEMA risk (63/100)). On the structural side it scores 66/100, with 8/100 of stress already active. What sets it apart are the readings on structural risk (66/100), institutional ownership (64/100), construction/permit lag (59/100). On the quiet end sit mortgage stress (25/100).

The peak-phase market in 40845 posted values that rose 4.5% over the year (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $23,003, median income runs below typical U.S. levels. Around 71% of renters are cost-burdened. The poverty rate is 46.2% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 49/100. 48% of housing is owner-occupied. Population is roughly 639 with a median age of 51. Around 1% of adults hold a bachelor's degree or higher. The typical home is worth about $66,000 (4.3× income). The vacancy rate is 3.7%. The ZIP holds roughly 213 housing units.

On the whole, 40845 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.