ZIP 40863 Foreclosure, Tax-Lien & Distress Report

Harlan County, Kentucky's ZIP 40863 registers 23/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in institutional ownership (63/100), structural risk (50/100), mortgage stress (26/100). mortgage stress (26/100) stay muted. On the structural side it scores 50/100, with 8/100 of stress already active. Environmental exposure also runs high (FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), 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.

Population is roughly 801 with a median age of 48. At $45,575, median income runs below typical U.S. levels. 82% of housing is owner-occupied. The ZIP holds roughly 360 housing units. Home values center near $44,000, an affordability ratio of 1.1× — accessible. The demographic-stress sub-score lands at 26/100. Vacancy runs 26.4%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 28.1% — high, a tax-stress and distress correlate. Educational attainment sits at 26% bachelor's-or-above.

Taken together, 40863 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 40863 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 40863 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 40863 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; 40863 shows blanks, not estimates, wherever the record is sparse.

The 23/100 for 40863 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, 40863 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.