ZIP 40845 Foreclosure, Tax-Lien & Distress Report

ZIP 40845's composite property-distress score is 27/100 - DLRadar classes that as low for Bell County, Kentucky. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (73/100), climate & FEMA risk (63/100). Structural exposure scores 61 and live distress 8 on the 0–100 scale. The sharpest non-environmental signals are institutional ownership (62/100), structural risk (61/100), construction/permit lag (40/100). By contrast, mortgage stress (25/100) register low.

Prices here sit in a peak phase: values rose 4.4% over the trailing year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $23,003 — below the roughly $78,000 national figure. Rent burden reaches 71% of tenant households. Roughly 46.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 40845 scores 49/100. The tenure split is 48% owner-occupied to 52% rented. Population is roughly 639 with a median age of 51. About 1% have a four-year degree. The typical home is worth about $66,000 (4.3× income). Vacancy runs 3.7%. The ZIP holds roughly 213 housing units.

On the whole, 40845 leans distressed, with opportunity clustered in specific stressed parcels. While 40845 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 40845's 27/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 40845, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 40845 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. Practically, 40845 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.