ZIP 40849 Foreclosure, Tax-Lien & Distress Report
Harlan County, Kentucky · Distress market
On DLRadar's 0-100 public-record scale, ZIP 40849 in Harlan County, Kentucky comes in at 23, a low composite-distress reading. It additionally carries heavy environmental risk: FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100). Latent structural risk is 50/100 while live distress already moving reads 0/100. Its heaviest discrete signals: institutional ownership (63/100), structural risk (50/100).
The expansion-phase market in 40849 posted values that rose 5.3% over the year (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
Roughly 18.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 0% of renters are cost-burdened. The ZIP holds roughly 19 housing units. About 16 people live here, median age 63. Around 0% of adults hold a bachelor's degree or higher. The tenure split is 33% owner-occupied to 67% rented. DLRadar's demographic-stress index for the area reads 29/100. Vacancy runs 0.0%.
Overall 40849 looks resilient on the surface, so the edge is isolating individual stressed parcels. 40849 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Whether 40849 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 40849 can be compared directly against any other ZIP in Harlan County, Kentucky or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 40849 shows blanks, not estimates, wherever the record is sparse.
The 23/100 figure for 40849 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 40849 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 40849’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 40849 distress snapshot
Current distress, phase, housing and lender-pressure figures for 40849, drawn from the same report attached to each property.
Neighbouring ZIPs in Harlan County
Keep exploring Kentucky distress
Related ZIP, county and statewide reads linked to Harlan County, Kentucky.
See every distressed parcel in 40849
Open 40849 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology