ZIP 40862 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 40862 (Letcher County, Kentucky) returns a low composite of 24/100. The split runs 52/100 structural to 8/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (85/100), FEMA disaster exposure (84/100), climate & FEMA risk (61/100)). Property-level stress concentrates in institutional ownership (64/100), structural risk (52/100), mortgage stress (27/100). mortgage stress (27/100) stay muted.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 15.0%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 63% owner-occupied to 37% rented. 539 residents call 40862 home, typically aged 50. Educational attainment sits at 12% bachelor's-or-above. Roughly 14.3% live below the poverty line. Around 0% of renters are cost-burdened. Home values center near $87,500, an affordability ratio of 2.1× — accessible. There are about 245 housing units across 40862. DLRadar's demographic-stress index for the area reads 24/100. Median household income is $41,515, below the U.S. median near $78,000.

On the whole, 40862 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.

The 40862 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 40862 stays directly comparable to neighboring ZIPs and the rest of Letcher County, Kentucky. Nothing here is interpolated — where a source is thin for 40862, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 24/100 for 40862 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 an operator, 40862 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.