ZIP 40855 Foreclosure, Tax-Lien & Distress Report

ZIP 40855's composite property-distress score is 23/100 - DLRadar classes that as low for Harlan County, Kentucky. The split runs 50/100 structural to 8/100 active on the ground. Its standout signals are institutional ownership (64/100), structural risk (50/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100), flood (NFIP) exposure (70/100), climate & FEMA risk (61/100).

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 65% of homes, renters 35%. Around 15% of adults hold a bachelor's degree or higher. A median home runs $57,500 here, or 2.1 times local income. The ZIP holds roughly 458 housing units. About 782 people live here, median age 47. The vacancy rate is 36.7% — elevated. Roughly 39.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 87% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 43/100. Households earn a median $27,102 — below the roughly $78,000 national figure.

On the whole, 40855 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 40855 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 40855 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 40855 can be compared directly against any other ZIP in Harlan County, Kentucky or nationwide. Nothing here is interpolated — where a source is thin for 40855, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 23/100 figure for 40855 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. In workflow terms, 40855 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.