ZIP 40854 Foreclosure, Tax-Lien & Distress Report

Harlan County, Kentucky's ZIP 40854 registers 23/100 composite distress, which DLRadar reads as low. The pressure is most legible in institutional ownership (63/100), structural risk (50/100), mortgage stress (26/100). On the quiet end sit mortgage stress (26/100). It additionally carries heavy environmental risk: FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100). Structural risk reads 50/100 against active distress of 8/100.

The expansion-phase market in 40854 posted values that rose 5.3% over the year, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 38% of renters are cost-burdened. The poverty rate is 36.5% — high, a tax-stress and distress correlate. Households earn a median $33,077 — below the roughly $78,000 national figure. The ZIP holds roughly 460 housing units. The demographic-stress sub-score lands at 36/100. 55% of housing is owner-occupied. Vacancy runs 18.0%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 853 with a median age of 49. Around 8% of adults hold a bachelor's degree or higher. The typical home is worth about $76,400 (2.3× income, relatively affordable).

Net-net, 40854 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 40854 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 40854 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 40854 reflects the current record instead of a stale or modeled snapshot.

The 23/100 for 40854 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 40854 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.