ZIP 40865 Foreclosure, Tax-Lien & Distress Report
Harlan County, Kentucky · Affordable market
ZIP 40865's composite property-distress score is 23/100 - DLRadar classes that as low for Harlan County, Kentucky. Leading the profile are institutional ownership (63/100), structural risk (50/100), mortgage stress (26/100). On the quiet end sit mortgage stress (26/100). The latent-versus-live split is 50/100 structural and 8/100 already moving. It additionally carries heavy environmental risk: 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.
About 365 people live here, median age 55. The typical home is worth about $69,400 (1.3× income, relatively affordable). The tenure split is 100% owner-occupied to 0% rented. The ZIP holds roughly 192 housing units. On demographic stress specifically, 40865 scores 17/100. Around 6% of adults hold a bachelor's degree or higher. At $54,052, median income runs below typical U.S. levels. Vacancy runs 7.6%. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas.
Net-net, 40865 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 40865 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
The number is not local guesswork: 40865's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 40865 shows blanks, not estimates, wherever the record is sparse.
40865's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 40865 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.
What is driving ZIP 40865’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 40865 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
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See every distressed parcel in 40865
The full 40865 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology